Wikilix
Contract reading

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

Every clause below is published by MIDTOU 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. Midtou Aryacom Futures

deemed acceptancemissing documentsole discretioncomplaint windowkyc freezeliability exclusionmargin callunilateral amendmentwithdrawalsbiometric data

MIDTOU's public legal page is one notice about exchange membership, served at three addresses. The contract you actually sign opens only as a pop-up inside the sign-up form and has no web address you can visit or save. Your duty to meet a margin call is not limited to the money you deposited. You get 2 x 24 hours to dispute a trade confirmation before it counts as correct.

Back to MIDTOU

Contract risk

Money at risk
7.0/10

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

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
5
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.
2

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.

Critical5
Warning8
Notice2

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

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

Critical2In the contract. Jump to the clause this comes from.The contract you agree to has no web addressCritical2 daysTime to complain. Jump to the clause this comes from.Trade confirmations become final after 2 x 24 hours

What the documents say

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

01

MIDTOU asks you to tick a box confirming you have read its Terms and Conditions and its Privacy Policy. Both open only as pop-ups inside the sign-up form. Neither has a web address you can visit, save or send to anyone.

Why this matters

You cannot read the agreement before you start signing up, and you cannot return to it later. If MIDTOU changes a term, you hold no copy to compare it against.

Exhibit 1CriticalRarely seen2

Saya telah membaca dan menyetujui Syarat dan Ketentuan serta Kebijakan Privasi
Quoted in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of client.midtou.com, taken on Sep 11, 2026The contract you agree to has no web addressVisit 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 terms on a durable medium, meaning something the client keeps and can reopen unchanged. MIDTOU's agreement exists only while the sign-up form is open.

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

Our readingBrokers usually bury a contract at the foot of a long page. MIDTOU's binding agreement has no page at all. The two document names on the sign-up form are styled to look like links but carry no address, so the contract cannot be bookmarked, saved to a file, or handed to anyone acting for you.

  • Worse together with Exhibit 5MIDTOU can rewrite the terms at any time, and there is no page where you could notice it happened.
  • Worse together with Exhibit 14The one document you confirm receiving is also the one MIDTOU never publishes.
02

MIDTOU can call for more margin, the cash you must keep in the account to hold a position. The contract says your duty to meet that call is not limited to the margin you started with. MIDTOU can also cash out funds you hold with it to cover the gap.

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 MIDTOU more than your account holds. Nothing in the agreement promises to write off a balance that falls below zero.

Exhibit 2CriticalHarder than usual

Kewajiban Nasabah sehubungan dengan penyerahan Call Margin tidak terbatas pada jumlah Margin awal;
Clause Kewajiban Memelihara Margin in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of client.midtou.com, taken on Sep 11, 2026Your losses are not capped at the money you deposit (clause Kewajiban Memelihara Margin)This 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
Set against a regulated standard: FCA (UK), ESMA (EU), ASIC (Australia)

Firms licensed by the FCA, and firms under ESMA rules, must give a retail trader negative balance protection, which means the client can never lose more than the money in the account. This contract says the opposite.

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

  • Worse together with Exhibit 3MIDTOU decides when to close your positions and carries no liability for the result, while the shortfall left behind is still yours to pay.
  • Worse together with Exhibit 14Uncapped loss is the risk a disclosure document would describe, and you have already signed that you understood it.
03

You get 2 x 24 hours to object to a written trade confirmation from MIDTOU. After that the contract treats the confirmation as correct and valid. You keep a defence only where the confirmation was never delivered properly.

Why this matters

A pricing error you notice on the third day is already settled against you. The clock starts when the confirmation arrives, not when you read it.

Exhibit 4CriticalHarder than usual2 days

Jika dalam waktu 2 x 24 jam sejak tanggal penerimaan konfirmasi tertulis tersebut tidak ada sanggahan dari Nasabah maka konfirmasi Pialang Berjangka dianggap benar dan sah;
Clause Konfirmasi in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of client.midtou.com, taken on Sep 11, 2026Trade confirmations become final after 2 x 24 hours (clause Konfirmasi)This 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

What it costsA confirmation delivered on Friday is final by Sunday. If you check your statements once a week, the window shuts before you open them.

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

Firms licensed by the FCA or CySEC must give a retail client access to an independent complaints scheme, which stays open long after the trade. This contract closes the question two days after the paperwork lands.

MIDTOU 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
Order placedMIDTOU must send you a confirmation of the buy or sell order.Konfirmasi
2 x 24 hours, no confirmation receivedYou must telephone MIDTOU and follow up in writing.Konfirmasi
2 x 24 hours after the confirmation arrivesYour silence makes MIDTOU's confirmation correct and valid.Konfirmasi
04

MIDTOU publishes no withdrawal terms anywhere on its site. Its FAQ promises you can take out your capital and your profit whenever you like, processed the same day. The agreement you sign sets no timetable, no minimum and no limit on how long MIDTOU may take.

Why this matters

You hold a promise on a marketing page and nothing in the contract that makes it stick. The withdrawal page in MIDTOU's own menu does not open.

Exhibit 7CriticalHarder than usual

Nasabah dapat mengakhiri Perjanjian ini hanya jika Nasabah sudah tidak lagi memiliki posisi terbuka dan tidak ada kewajiban Nasabah yang diemban oleh atau terhutang kepada Pialang Berjangka;
Clause Jangka Waktu Perjanjian dan Pengakhiran in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of midtou.com, taken on Sep 11, 2026The claim, on Indonesian FAQ page, answering whether there is any time limit on withdrawing funds from MIDTOUVisit this page on the broker's siteDownload the full size image file
Our own capture of client.midtou.com, taken on Sep 11, 2026What the contract says, clause Pemindahan DanaThis 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 client.midtou.com, taken on Sep 11, 2026No published rules on getting your money out (clause Jangka Waktu Perjanjian dan Pengakhiran)This 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
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must publish the terms on which client money is returned, including timing and any charge. MIDTOU's contract is silent on all of it.

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

  • Only applies after Exhibit 6With no published payout rules, the only clause touching your balance is the one letting MIDTOU move it without notice.
05

The agreement has you acknowledge that you received and understood the Risk Disclosure Document. MIDTOU publishes no such document anywhere on its website. You confirm reading something you were never shown.

Why this matters

That acknowledgement is the first thing MIDTOU can point to if you complain about a risk nobody explained. You sign away the argument before you have any reason to make it.

Exhibit 14CriticalRarely seen

Nasabah mengakui menerima dan mengerti Dokumen Pemberitahuan Adanya Risiko.
Clause Dokumen Pemberitahuan Adanya Risiko in Kebijakan Privasi
Read from the broker's site on Open the reference
Our own capture of client.midtou.com, taken on Sep 11, 2026You confirm receiving a risk document MIDTOU never publishes (clause Dokumen Pemberitahuan Adanya Risiko)This 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 readingAn acknowledgement of receipt is ordinary when the document comes attached to it. Here the sentence stands alone: the contract records that you received and understood a risk warning that has no page, no file and no copy anywhere on the site.

  • Worse together with Exhibit 2Losing more than you deposited is exactly what a risk warning would cover, and you have already signed that you understood it.
  • Same clause as Exhibit 1Both rest on one habit: MIDTOU records your agreement to documents it does not put in front of you.

MIDTOU sets its commission from time to time and publishes no rate

No fee schedule exists anywhere on MIDTOU's website. The contract lets MIDTOU collect commission in amounts it sets from time to time, and lists transaction fees, tax, service charges, interest and account charges as yours to pay. Fee changes do need written agreement from both parties, which limits the clause once you know the opening figure.

Cost disclosure1 clause flagged

MIDTOU can charge commission on your trades at amounts it sets from time to time. No fee list appears anywhere on its website. Changes to fees do need written agreement from both sides, which is a real limit on the clause.

Why this matters

You open the account without knowing what a trade costs. The written agreement rule only helps once you know the starting figure, and MIDTOU publishes none.

Exhibit 13WarningHarder than usual

Nasabah mengetahui dan menyetujui bahwa Pialang Berjangka berhak untuk memungut komisi atas transaksi yang telah dilaksanakan, dalam jumlah sebagaimana akan ditetapkan dari waktu ke waktu oleh Pialang Berjangka. Perubahan beban (fees) dan biaya lainnya harus disetujui secara tertulis oleh kedua belah pihak.
Clause Komisi Transaksi in Kebijakan Privasi
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must disclose costs and charges to a retail client before that client trades. MIDTOU sets its commission from time to time and publishes no schedule.

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

MIDTOU promises same day payouts on a page, and nothing in the contract

MIDTOU publishes no withdrawal terms at all: no timetable, no minimum, no fee. Its FAQ promises capital and profit back at any time, processed the same day. The one clause that touches your balance lets MIDTOU move funds between your accounts without telling you first.

Exit conditions1 clause flagged

MIDTOU can shift funds from one of your accounts to another at any time, to cover margin, pay a debt or reduce a deficit. It does this without telling you first. It confirms the transfer in writing afterwards.

Why this matters

Money you were about to withdraw can already be gone when you look. You learn about it once the transfer has happened.

Exhibit 6WarningHarder than usual

Pialang Berjangka dapat setiap saat mengalihkan dana dari satu rekening ke rekening lainnya sehubungan dengan kegiatan transaksi yang dilakukan Nasabah seperti Margin, pembayaran hutang, atau mengurangi defisit dalam rekening Nasabah, tanpa terlebih dahulu memberitahukan kepada Nasabah. Transfer yang telah dilakukan akan segera diberitahukan secara tertulis kepada Nasabah.
Clause Pemindahan Dana in Kebijakan Privasi
Read from the broker's site on Open the reference
  • Worse together with Exhibit 7MIDTOU promises same day withdrawals in public while reserving the right to empty the balance you would withdraw from.

Your duty to pay MIDTOU is not limited to what you deposited

MIDTOU's contract states that a margin call is not capped at your starting margin. It can close your open positions with or without notice, and says it is not responsible for the losses that closing causes. It can also change the terms at any time, with continued use counted as your consent.

Uncapped exposure2 clauses flagged

If your account falls below the margin MIDTOU requires, it can close some or all of your open positions. The contract lets it do that with or without telling you first. The same sentence says MIDTOU is not responsible for the losses that closing causes.

Why this matters

A position closed at the wrong moment turns a paper loss into a real one. You carry that loss, and the clause removes your route to argue about it.

Exhibit 3WarningHarder than usual

Pialang Berjangka dapat menutup posisi terbuka Nasabah secara keseluruhan atau sebagian, membatasi transaksi, atau tindakan lain untuk melindungi diri dalam pemenuhan Margin tersebut dengan terlebih dahulu memberitahu atau tanpa memberitahu Nasabah dan Pialang Berjangka tidak bertanggung jawab atas kerugian yang timbul akibat tindakan tersebut
Clause Hak Pialang Berjangka Melikuidasi Posisi Nasabah in Kebijakan Privasi
Read from the broker's site on Open the reference
  • Same clause as Exhibit 2The margin rules that let MIDTOU close your trades also leave you owing whatever the closure fails to cover.

MIDTOU can change the Terms and Conditions at any time without your prior consent. Carrying on using the Client Area counts as your agreement to the new version. A second clause treats you as agreeing whenever you keep placing orders without replying in writing.

Why this matters

You are bound by wording you never saw, on a document with no address where you could check it. Placing your next trade reads as saying yes.

Exhibit 5WarningHarder than usual

Saya memahami bahwa Syarat dan Ketentuan ini dapat berubah sewaktu-waktu tanpa persetujuan terlebih dahulu. Dengan melanjutkan penggunaan Client Area dalam platform MIDTOU, Saya setuju dan tunduk pada Syarat dan Ketentuan tersebut.
Clause Persetujuan Penggunaan Data Pribadi in Kebijakan Privasi
Read from the broker's site on Open the reference
  • Worse together with Exhibit 1A term that can change silently, in a document with no address, cannot be watched by the person it binds.

Two days to challenge a trade, and one day to report a disaster

MIDTOU treats a trade confirmation as correct and valid once 2 x 24 hours pass without an objection from you. A force majeure claim dies unless you file it in writing within 24 hours. The agreement also records that you received and understood a Risk Disclosure Document MIDTOU does not publish.

Closing the argument2 clauses flagged

If an earthquake, flood, fire, strike or war stops you meeting your side of the agreement, you must tell MIDTOU in writing within 24 hours of it starting. Miss that and the protection does not apply to you.

Why this matters

The events this clause covers are the ones that cut power, phone lines and post. You get one day to file paperwork about a disaster.

Exhibit 11WarningHarder than usual

sepanjang pemberitahuan tertulis mengenai sebab itu disampaikannya kepada pihak lain dalam Perjanjian dalam waktu tidak lebih dari 24 (dua puluh empat) jam sejak timbulnya sebab itu
Clause Force Majeure in Kebijakan Privasi
Read from the broker's site on Open the reference

If BAPPEBTI or the exchange halts trading, your open positions are settled under whatever rules the authority sets. The contract puts every loss and cost from that halt entirely on you.

Why this matters

A halt sits outside your control and outside MIDTOU's. The contract still hands you the whole bill, including positions closed at a price you did not choose.

Exhibit 12WarningStandard wording

semua kerugian serta biaya yang timbul sebagai akibat dihentikannya transaksi oleh pihak otoritas perdagangan tersebut, menjadi beban dan tanggung jawab Nasabah sepenuhnya.
Clause Pembatasan Tanggung Jawab Pialang Berjangka in Kebijakan Privasi
Read from the broker's site on Open the reference

MIDTOU collects your face and voice, and sets no date to delete them

MIDTOU's privacy policy lists biometric data, meaning facial images and voice recordings, alongside your mother's maiden name, tax number and income. You release MIDTOU from responsibility for processing data that turns out to be inaccurate. Where no law sets a retention period, MIDTOU keeps the data as long as its business needs require.

What they keep2 clauses flagged

MIDTOU collects biometric data, meaning images of your face and recordings of your voice. It also takes your mother's maiden name, your tax number and your income. You release MIDTOU from responsibility for handling personal data that turns out to be wrong.

Why this matters

Your face and your voice cannot be reissued the way a password can. The release leaves MIDTOU carrying no responsibility if the record it holds about you is wrong.

Exhibit 8WarningHarder than usual

Data biometrik yang dapat mengidentifikasi secara unik terhadap individu namun tidak terbatas pada gambar wajah, rekaman pembicaraan.
Quoted in Kebijakan Privasi
Read from the broker's site on Open the reference
  • Worse together with Exhibit 9Biometric records taken under a liability release are the same records kept with no deletion date.

Where no law sets a retention period, MIDTOU keeps your personal data for as long as its own business needs require. The policy names no deletion date and gives you no way to ask for one.

Why this matters

Your identity documents, bank details and voice recordings can sit on MIDTOU's systems long after you close the account.

Exhibit 9NoticeStandard wording

Namun, jika tidak ada undang-undang yang relevan, Data Pribadi Nasabah akan disimpan selama waktu yang diperlukan untuk tujuan kegiatan usaha MIDTOU.
Quoted in Kebijakan Privasi
Read from the broker's site on Open the reference

MIDTOU tells you once that it may hold the opposite position

MIDTOU's contract states that it and its affiliated companies may hold positions in the market and may give you recommendations inconsistent with them. It also declines to guarantee that the information it gives you is accurate or complete. The disclosure is proper, and it sits inside a pop-up that no marketing page mentions.

Both sides of the trade1 clause flagged

The agreement tells you MIDTOU and companies linked to it may hold their own positions in the market. It adds that they may give you recommendations that do not match those positions. It also says the information you get is not guaranteed to be accurate or complete.

Why this matters

Advice you act on can point the other way from where MIDTOU's own money sits. This admission appears once, inside the pop-up contract, and nowhere in the marketing.

Exhibit 10WarningStandard wording

Nasabah menyadari bahwa ada kemungkinan Pialang Berjangka dan pihak terafiliasinya memiliki posisi di pasar dan memberikan rekomendasi tidak konsisten kepada Nasabah.
Clause Tidak Ada Jaminan atas Informasi atau Rekomendasi in Kebijakan Privasi
Read from the broker's site on Open the reference

MIDTOU's legal page covers exchange membership and nothing else

One notice makes up the whole of MIDTOU's public legal shelf, and the same page answers at three separate addresses. It confirms membership of the ICDX exchange and ICH clearing house, and its wording has not changed since July 2025. You contract with PT. Midtou Aryacom Futures of Jakarta, which says it operates only in Indonesia.

The public shelf1 clause flagged

MIDTOU's public legal page is a single notice about which exchange and clearing house it belongs to. The same page answers at three different addresses, which makes the shelf look fuller than it is. Its wording has not changed since July 2025.

Why this matters

You will not find a client agreement, a risk warning or a fee list on MIDTOU's legal page. What you can read there covers exchange membership and nothing about your money.

Exhibit 15NoticeHarder than usual

PT. Midtou Aryacom Futures adalah Anggota dari Bursa ICDX dan Kliring ICH.
Clause Legal in Legal
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

The FAQ gives you the right to withdraw at any time, while the contract gives MIDTOU the right to move that money at any time without telling you.

Said in public, in Indonesian

Nasabah bisa melakukan penarikan dana modal maupun keuntungan setiap saat, hari senin s/d jum'at. Proses penarikan dana menggunakan form pengisian online ataupun manual dan akan di proses di hari yang sama.

Word for word in English: Clients can withdraw capital funds and profits at any time, Monday to Friday. The withdrawal process uses an online or manual form and will be processed on the same day.

Indonesian FAQ page, answering whether there is any time limit on withdrawing funds from MIDTOU

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

In the contract · clause Pemindahan Dana

Pialang Berjangka dapat setiap saat mengalihkan dana dari satu rekening ke rekening lainnya sehubungan dengan kegiatan transaksi yang dilakukan Nasabah seperti Margin, pembayaran hutang, atau mengurangi defisit dalam rekening Nasabah, tanpa terlebih dahulu memberitahukan kepada Nasabah.

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

02

MIDTOU records that you have read its Privacy Policy and tells you to keep checking it, on a document with no address to check.

Said in public, in Indonesian

Saya telah membaca dan menyetujui Syarat dan Ketentuan serta Kebijakan Privasi

Word for word in English: I have read and agree to the Terms and Conditions and the Privacy Policy

Mandatory consent checkbox on the MIDTOU registration form, where both document names are styled as links but carry no address

In the contract

MIDTOU dapat mengubah Kebijakan Privasi ini dari waktu ke waktu. Kami menganjurkan Nasabah untuk memeriksa Kebijakan Privasi dari waktu ke waktu, karena versi Kebijakan Privasi yang ditampilkan merupakan pembaruan dari semua versi terdahulu.

The documents this reading is based on

5 files, all published by MIDTOU. 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 MIDTOU publishes.

How this reading was done

Every clause above was read out of a document MIDTOU 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
11public pages set against what the contract says

Who the contract is with

PT. Midtou Aryacom Futures

You contract with PT. Midtou Aryacom Futures, a Jakarta company at UOB Plaza Thamrin Nine. The agreement calls it MIDTOU and names it as the Pialang Berjangka, the futures broker holding your money. Its legal page states it is a member of the ICDX exchange and the ICH clearing house. Its About page adds a BAPPEBTI registration numbered 820/BAPPEBTI/SI/10/2005. Its notice page says it operates only in Indonesia and has no representative or broker outside the country. Whether those registrations are current belongs to the scam report, not to this reading.

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

MIDTOU names its segregated bank accounts in full: eight accounts at CIMB Niaga, BCA, BNI, Mandiri and CCBI, with branch and account numbers. Most brokers publish nothing like that. The complaint route is concrete, with its own phone line, its own email address and a pointer to BAPPEBTI's complaints site. The confirmation clause keeps a real defence for you, because you stay off the hook for trades where the confirmation was never delivered properly. Fee changes need written agreement from both sides. A front page notice names five companies using the Midtou name that MIDTOU says are nothing to do with it.

The agreement and the privacy policy have no page of their own. Both open as pop-ups on the sign-up form at client.midtou.com/register, and every quotation we credit to them comes from there. MIDTOU publishes no fee schedule, no risk disclosure document and no withdrawal terms, so there was nothing to read on what a trade costs or how long a payout takes. The withdrawal page in MIDTOU's own menu does not open. We did not open an account, so we did not see anything MIDTOU shows after registration. The English version of the site translates the menus and the footer but leaves the terms themselves in Indonesian, so we read and quoted them in Indonesian.

How to check any of this yourself

Every quote above links to the MIDTOU 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 MIDTOU 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 MIDTOU 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 11, 2026.

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

Back to the MIDTOU profile