Wikilix
Contract reading

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

Every clause below is published by JKV 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: JKV GLOBAL MARKETS LTD

sole discretionswap freecounterpartydeemed acceptancedispute barrierhidden feeliability capmarketing mismatchprofit voidingwithdrawals

JKV's website advertises a Mauritius licence. The terms you accept at signup name Saint Vincent and the Grenadines instead. You confirm you have read seven documents JKV does not publish, including the client agreement and the complaints procedure. If your balance goes below zero, JKV requires you to pay the difference back.

Back to JKV

Contract risk

Money at risk
8.5/10

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.
6
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.
5
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.

Critical6
Warning9
Notice0

section 27 of 34is where the deepest clause sits, 79% of the way into the document it is in

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

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.

Critical7Time to complain. Jump to the clause this comes from.You sign for seven documents JKV never publishesCritical7In the contract. Jump to the clause this comes from.JKV markets a partner programme to a country it barsCritical50%Fee you were not shown. Jump to the clause this comes from.A negative balance becomes a debt you owe JKV5 daysAccount limit. Jump to the clause this comes from.Islamic accounts cannot hold a position past five days

What the documents say

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

01

JKV's About page says it is regulated by the FSC in Mauritius. The terms you accept at signup name the Financial Services Commission of Saint Vincent and the Grenadines instead.

Why this matters

You would be complaining to a regulator in the Caribbean, not the one named on the page that sold you the account. Neither document tells you which courts hear a dispute, or which country's law applies.

Exhibit 1CriticalRarely seen

These terms as per the Client Agreement are governed by and shall be construed in accordance with the Financial Services Commission – Saint Vincent and the Grenadines.
Quoted in Introducing Broker Program UAE | Partner with JKV Global (page carrying the Swap Free Terms and conditions and the Refund of Negative Balance policy)
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026The claim, on English About Us page, under the heading Our Licenses And Regulations, above License no GB23201820Visit this page on the broker's siteDownload the full size image file
Our own capture of jkvglobal.com, taken on Sep 16, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must tell a retail client, before they trade, which legal entity they are contracting with and which law governs the agreement. JKV names one regulator on its website and a different one in its terms.

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

Our readingNaming a regulator as the governing law is not a choice of law at all. A regulator supervises firms, it is not a legal system, so the clause leaves no court and no statute identified.

02

JKV's Terms and Conditions page asks you to confirm you have read seven documents. It publishes none of them, including the client agreement and the complaints procedure.

Why this matters

You agree to a contract you cannot read. If JKV refuses a withdrawal, there is no published complaints procedure to follow, and you have already confirmed you read one.

Exhibit 2CriticalHarder than usual7

I have read, understood, and agreed to the Agreement, which includes:
Quoted in Terms & Conditions
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026You sign for seven documents JKV never publishesVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must give a retail client the client agreement and a complaints procedure, and must publish how to escalate a complaint. JKV's own signature page names both, and neither is on its website.

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

  • Worse together with Exhibit 1The contract you cannot read is also the one that hands the governing regime to a country the website never mentions.
03

Trading through a VPS, a rented server that keeps your platform running, can cost you access to your balance. JKV can freeze or withhold any money in the account if it treats your server as blacklisted. It decides when the matter is resolved.

Why this matters

No deadline limits the freeze. JKV never publishes which servers are blacklisted, so you cannot check yours before you deposit. The Legal page separately lets JKV reject a withdrawal for using a VPS without written approval.

Exhibit 3CriticalHarder than usual

Clients are strictly prohibited from using blacklisted or unauthorized VPS services for trading activities. Violation of this rule grants the broker full authority to freeze or withhold any funds associated with the account until compliance is ensured and the issue is resolved to the broker’s satisfaction.
Clause 3.3 in Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), p.6
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026The claim, on English homepage, answer to the FAQ question How fast can I withdraw my Forex profits?Visit this page on the broker's siteDownload the full size image file
Our own capture of cabinet.jkvglobal.com, taken on Sep 16, 2026What the contract says, clause 3.3Visit this page on the broker's siteDownload the full size image file
Our own capture of cabinet.jkvglobal.com, taken on Sep 16, 2026JKV can freeze your funds over a server it will not name (clause 3.3)Visit this page on the broker's siteDownload the full size image file

Where it sits: section 18 of 34 in the Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), 53% of the way through.

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

Firms licensed by the FCA or CySEC must deal with a retail client's withdrawal promptly and must be able to justify holding client money. JKV's clause sets no time limit and makes its own satisfaction the test.

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

  • Worse together with Exhibit 8The same rented server that is banned here is what turns fast trading into abuse under the scalping clause.
  • Worse together with Exhibit 12JKV can hold the money and then decline liability for whatever the hold costs you.
04

If JKV decides you abused a swap free account, it can close every account you hold with it. It can then void all your trades and cancel all profits in them.

Why this matters

Your gains go, not only the interest the account saved you. The terms never define abuse, manipulation or cash back arbitrage, so JKV alone decides whether you did it.

Exhibit 4CriticalHarder than usual

with immediate effect, to close all trading accounts of such Client with JKV Global Market., void all trades carried out in such Client’s trading accounts with JKV Global Market and cancel all profits or losses incurred in such Client’s trading accounts.
Quoted in Introducing Broker Program UAE | Partner with JKV Global (page carrying the Swap Free Terms and conditions and the Refund of Negative Balance policy)
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026Swap free abuse lets JKV cancel all your profitsVisit this page on the broker's siteDownload the full size image file
  • Worse together with Exhibit 15Holding a trade past the five day limit is itself named as abuse of the benefit, which is the door this clause opens.
05

JKV's partnership page is titled Introducing Broker Program UAE. The footer of that same page says JKV does not serve residents of the United Arab Emirates.

Why this matters

Signing up from the UAE puts you on the wrong side of JKV's own restricted list from day one. The registration form still lets you pick any of the seven barred countries.

Exhibit 5CriticalHarder than usual7

Restricted Regions: JKV Global Capital Market Services Limited does not provide services for citizens/residents of the United Arab Emirates, United States, Cuba, Iraq, Myanmar, North Korea, Sudan.
Quoted in Legal
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026The claim, on English page title and Open Graph title of the partnership page, whose own footer carries the restricted regions listThis 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 jkvglobal.com, taken on Sep 16, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file
06

If the market pushes your account below zero, JKV requires you to pay the shortfall back. Its stop out sits at 50%, and JKV says it does not guarantee your account stops there.

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

You can end up owing JKV more than you ever deposited. Nothing in the documents caps what you would owe, and this appears only in a PDF linked from the signup form.

Exhibit 6CriticalHarder than usual50%

Clients are hereby notified that in the event of a negative balance in their account, they are required to promptly refund the negative amount to JKV.
Quoted in Introducing Broker Program UAE | Partner with JKV Global (page carrying the Swap Free Terms and conditions and the Refund of Negative Balance policy)
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026A negative balance becomes a debt you owe JKVVisit this page on the broker's siteDownload the full size image file

What it costsOn a $1,000 account, JKV's stop out level of 50% points at about $500. JKV does not promise to close there, and any shortfall below zero is yours to repay.

Set against a regulated standard: FCA (UK), ESMA (EU)

Firms licensed by the FCA, or trading under ESMA rules, must give retail clients negative balance protection, so a retail account cannot fall below zero. JKV's terms require you to refund the negative amount instead.

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

JKV markets to the UAE and bars UAE residents on the same page

JKV's partnership page is titled Introducing Broker Program UAE, and the footer of that same page says JKV does not serve UAE residents. Its only published phone number is a Dubai line. The homepage promises maximum security from segregated accounts, while the risk disclosure says segregation guarantees nothing.

Claim vs contract1 clause flagged

JKV's homepage promises segregated accounts at top tier banks for maximum security. Its risk disclosure says a segregated account does not guarantee absolute protection of your money.

Why this matters

If JKV fails, you rank as an unsecured creditor for your unrealised profits, behind banks and other creditors. The homepage promise leaves that out, and the contract spells it out.

Exhibit 14WarningStandard wording

keeping your funds in a segregated client account does not offer or guarantee absolute protection
Quoted in Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), p.2
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026The claim, on English homepage, Segregated Client Funds sectionVisit this page on the broker's siteDownload the full size image file
Our own capture of cabinet.jkvglobal.com, taken on Sep 16, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file

A losing trade can leave you owing JKV money

JKV requires you to refund any negative balance, so a loss can turn into a debt. Its stop out level of 50% comes with no guarantee that your account stops there. JKV publishes no spread table, no commission table and no withdrawal fee schedule anywhere on its site.

Cost disclosure1 clause flagged

JKV publishes no price list, no commission table and no withdrawal fee schedule. Its swap free terms still allow a rollover fee that shows up in the swap field on your platform.

Why this matters

You cannot work out what a trade costs before you place it. A swap free account can still be charged, which is the one charge that account is sold to avoid.

Exhibit 7WarningHarder than usual

might be charged a fee upon the rollover of a position from one contract to another, and that this fee will be charged and appear on my MT5 platform under the ‘swap’ field.
Quoted in Introducing Broker Program UAE | Partner with JKV Global (page carrying the Swap Free Terms and conditions and the Refund of Negative Balance policy)
Read from the broker's site on Open the reference
Our own capture of jkvglobal.com, taken on Sep 16, 2026The claim, on English homepage, trading conditions sectionVisit this page on the broker's siteDownload the full size image file
Our own capture of jkvglobal.com, taken on Sep 16, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must disclose costs and charges to a retail client before they trade. JKV publishes no schedule of spreads, commissions or withdrawal charges anywhere on its site.

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

A server JKV will not name can freeze your balance

JKV can freeze or withhold any money in your account over a rented server it treats as blacklisted, and it never publishes that list. The freeze runs until JKV is satisfied, with no deadline written anywhere. JKV also accepts no liability for what a delayed withdrawal costs you.

Exit conditions1 clause flagged

JKV says it is not liable for losses, damages or missed trading opportunities when it rejects, delays or suspends your withdrawal over VPS use.

Why this matters

A delay that costs you a position is your loss, not JKV's. The same clause puts every penalty arising from unauthorised VPS use on you alone.

Exhibit 12WarningHarder than usual

The Company shall not be liable for any losses, damages, or missed trading opportunities arising from the rejection, delay, or suspension of trading activities or withdrawal requests due to unauthorized or non-compliant VPS usage.
Clause 7 in Legal
Read from the broker's site on Open the reference

Buried at section 26 of 34 in the Legal, 76% of the way through.

Fast trading is abusive, and your premises are inspectable

JKV counts any trade closed inside 120 seconds as scalping and calls it abusive. It reserves a right to enter your premises and inspect the computer you trade on. It can also rewrite its VPS rules with or without notice, and your continued use counts as agreement.

Trading limits4 clauses flagged

JKV treats every trade you close inside 120 seconds as scalping. It calls that abusive, along with high frequency trading run from a rented server.

Why this matters

Closing one fast trade puts you inside JKV's own definition of abuse. The clause never says what JKV does next, and no published policy fills the gap.

Exhibit 8WarningHarder than usual

JKV GLOBAL MARKETS LTD defines trades with a duration of less than 120 seconds as Scalping.
Quoted in Terms & Conditions
Read from the broker's site on Open the reference
  • Worse together with Exhibit 3Fast trading is labelled abusive here, and the server that enables it is the trigger for freezing your balance there.

JKV's electronic trading terms let it enter your premises and inspect the computer you trade on. The notice it owes you can be immediate in some circumstances.

Why this matters

Opening a trading account signs away a right of entry to wherever you trade, which for most people is their home. JKV can also send a subcontractor to do the inspection.

Exhibit 9WarningRarely seen

we may at any time or times, on reasonable notice (which, in certain circumstances, may be immediate) enter (or instruct our or the Market›s subcontractors to enter) your premises and inspect your System
Clause 1.2 in Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), p.3
Read from the broker's site on Open the reference

Our readingA right of entry and inspection belongs to commercial equipment and software leases. In a retail trading agreement it points at the client's own home, because that is where the platform runs.

JKV can change its VPS policy at any time, with or without notice. Carrying on using the platform counts as your acceptance of the new version.

Why this matters

A rule you never saw can still be used to hold your withdrawal. JKV promises to tell you about material changes, but the same clause makes notice optional.

Exhibit 11WarningHarder than usual

The Company reserves the right to amend, modify, or update this clause at any time, with or without prior notice, to reflect changes in regulatory requirements, operational policies, or market conditions.
Clause 8 in Legal
Read from the broker's site on Open the reference

Buried at section 27 of 34 in the Legal, 79% of the way through.

  • Worse together with Exhibit 3The rule that can freeze your balance is the same rule JKV can rewrite without notice.

An Islamic account at JKV cannot keep a trade open for more than 5 days. JKV can also cancel the arrangement at any time at its absolute discretion.

Why this matters

Holding a swing trade past 5 days breaks the terms of an account you were given on religious grounds. JKV can then treat it as a regular account and claw back the interest it saved you.

Exhibit 15WarningHarder than usual5 days

may not keep transactions in such account open for more than 5 days and may not otherwise abuse such benefit.
Quoted in Introducing Broker Program UAE | Partner with JKV Global (page carrying the Swap Free Terms and conditions and the Refund of Negative Balance policy)
Read from the broker's site on Open the reference
  • Worse together with Exhibit 4Breaching the five day limit is named as abuse of the benefit, and abuse is what lets JKV cancel every profit in the account.

You confirm you read seven documents JKV does not publish

JKV's signature page asks you to confirm you have read seven documents, and it publishes none of them. The missing set includes the client agreement, the complaints procedure and the conflicts of interest policy. A separate clause makes you cover JKV's costs for anyone who uses your password.

Missing contract1 clause flagged

Anyone who uses your password puts the cost on you. JKV's terms make you cover its losses and legal costs for what they do, whether or not you allowed it.

Why this matters

If your account is taken over, JKV is not liable and you carry the bill. The clause covers claims, damages and costs, with no cap written into it.

Exhibit 10WarningHarder than usual

You shall on demand indemnify, protect and hold us harmless from and against all losses, liabilities, judgments, suits, actions, proceedings, claims, damages and costs resulting from or arising out of any act or omission by any person using an Electronic Service by using your designated passwords, whether or not you authorized such use.
Clause 2.5 in Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), p.4
Read from the broker's site on Open the reference

Four company names and no registration number

Four company names appear across JKV's documents, and the one you contract with at signup is not the one in the website footer. No registration number and no registered office appears anywhere. The contact page gives a Mauritius address while the terms name Saint Vincent and the Grenadines.

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.

Counterparty1 clause flagged

JKV's documents name four different companies. The signup PDF says you deal with JKV GLOBAL MARKETS LTD, while the website footer names JKV Global Capital Market Services Limited.

Why this matters

You cannot tell which company holds your money or which one you would have to sue. No registration number and no registered office appears in any document.

Exhibit 13WarningHarder than usual4

This notice is provided to you because you are considering dealing with JKV GLOBAL MARKETS LTD (“JKV”) (hereinafter “the Company”) in Foreign Exchange Contracts, Contracts for Difference, deposits and payments products and other Derivatives Contracts
Quoted in Updated Terms and Conditions (Risk Disclosure Statement, Electronic Trading Terms, Abusive Trading Practices, Swap Free Terms, Refund of Negative Balance), p.1
Read 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

JKV advertises a Mauritius regulator while its own terms hand the governing regime to Saint Vincent and the Grenadines.

Said in public, in English

Regulated by FSC, Mauritius

English About Us page, under the heading Our Licenses And Regulations, above License no GB23201820

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

In the contract

These terms as per the Client Agreement are governed by and shall be construed in accordance with the Financial Services Commission – Saint Vincent and the Grenadines.

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

02

The homepage gives a withdrawal window in hours while the terms allow an open ended hold that ends only when JKV is satisfied.

Said in public, in English

Withdrawals can occur within 24–72 hours. JKV ensures you are set up with smooth, verified withdrawal processes.

English homepage, answer to the FAQ question How fast can I withdraw my Forex profits?

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

In the contract · clause 3.3

Violation of this rule grants the broker full authority to freeze or withhold any funds associated with the account until compliance is ensured and the issue is resolved to the broker’s satisfaction.

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

03

JKV titles its partnership page for the UAE while its restricted regions list puts the United Arab Emirates first among the countries it refuses.

Said in public, in English

Introducing Broker Program UAE | Partner with JKV Global

English page title and Open Graph title of the partnership page, whose own footer carries the restricted regions list

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

In the contract

Restricted Regions: JKV Global Capital Market Services Limited does not provide services for citizens/residents of the United Arab Emirates, United States, Cuba, Iraq, Myanmar, North Korea, Sudan.

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

04

JKV promises no hidden fees while publishing no price list at all, and its swap free terms still allow a rollover charge.

Said in public, in English

We offer competitive spreads with no hidden fees or commissions. Our pricing structure is clear and straightforward.

English homepage, trading conditions section

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

In the contract

might be charged a fee upon the rollover of a position from one contract to another, and that this fee will be charged and appear on my MT5 platform under the ‘swap’ field.

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

05

The homepage sells segregation as maximum security while the risk disclosure says segregation guarantees nothing if JKV fails.

Said in public, in English

Your funds are held in segregated accounts with top-tier banks, separate from our operational funds for maximum security.

English homepage, Segregated Client Funds section

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

In the contract

keeping your funds in a segregated client account does not offer or guarantee absolute protection

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

The documents this reading is based on

5 files, all published by JKV. 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 JKV publishes.

How this reading was done

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

This reading was published on .

Documents
5 of 5downloaded from the broker's site, and 5 read in full
Pages opened
24pages walked to find those documents, footer links included
Older copies
1earlier versions downloaded
Marketing pages
4public pages set against what the contract says
Position measured
3clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

JKV GLOBAL MARKETS LTD

The document you accept at signup says you are dealing with JKV GLOBAL MARKETS LTD, which it then calls the Company. The website footer names a different company, JKV Global Capital Market Services Limited. The same PDF is headed JKV Global Capital Markets Services Ltd, and the swap free terms name a fourth, JKV Global Market. No registration number and no registered office appears in any document. The contact page gives a Mauritius address, while the terms name Saint Vincent and the Grenadines. Nothing JKV publishes settles which company holds your money.

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

JKV's risk disclosure is franker than most brokers manage. It tells you plainly that you are an unsecured creditor of the firm. It admits that a segregated client account does not guarantee your money back if JKV fails. It publishes its margin call level and its stop out level, which many brokers leave off the page entirely, and it states there is no extra charge for running an expert advisor. The privacy policy also says JKV does not sell personal data to third parties.

JKV publishes no client agreement, so we could not read the contract its other documents keep pointing at. We also could not find the complaints procedure, the conflicts of interest policy, the order execution policy, the client classification policy or the cookies policy, all of which JKV's own documents name. We read the three legal pages on jkvglobal.com in full, and we read the terms PDF linked from the signup form in full. That PDF has broken word spacing in places, so a few quotations from it may not line up character for character with the file. JKV publishes in English only, so there was no second language version of the marketing to compare against. Only the legal page has an earlier copy available, so the privacy policy and the terms page could not be checked against an earlier version.

How to check any of this yourself

Every quote above links to the JKV 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 JKV 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 JKV 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 16, 2026.

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

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