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Contract reading

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

Every clause below is published by Opofinance 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 . We have read it 2 times.

Contracting entity: Opo group LLC

sole discretionhidden feeprofit voidingwithdrawalsentity confusionlanguage arbitrageunilateral amendmentabnormal market conditionsassignmentbonus lock

Opofinance's agreement lets it take back profit made in fast markets, void winning trades on suspicion and hold back funds when you leave. You get two business days to dispute a trade, and Opofinance can refuse any complaint. Its Farsi page quotes a lower withdrawal fee than the English one, and only English binds. Your contract is with a St. Vincent company, not the licensed Opo companies the site shows.

Back to Opofinance

Contract risk

Money at risk
8.0/10

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

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
5
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
22
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
12
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
6

How the 22 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
Warning14
Notice3

section 53 of 72is where the deepest clause sits, 74% 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.

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

Critical2 working daysTime to complain. Jump to the clause this comes from.Complaints refusable, and trades final after two business days6%Fee you were not shown. Jump to the clause this comes from.Withdrawing without trading costs usually 3% to 6%$5Fee on an unused account. Jump to the clause this comes from.Five dollars a month after six months without a trade15 daysDocument deadline. Jump to the clause this comes from.Expired documents switch your account to close-only

What the documents say

22 clauses worth knowing about, worst first, each quoted from Opofinance's own files

01

Opofinance's contract calls any profit you make while prices move fast or gap Illicit Profit. Clause 24.2(f) lets it remove that profit from your balance, without notice.

Why this matters

Fast moves and price gaps are ordinary trading conditions, and clause 24.1(j) treats trading during them as a default. Clause 24.1(h) also makes it a default whenever Opofinance "reasonably believes" action is "desirable", and no clause defines how fast is too fast.

Exhibit 1CriticalRarely seen

“Illicit Profit” shall mean profit which has been generated as a result of an Event ofDefault and/or during Abnormal Market Conditions.
Clause Appendix A in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026Profit made in a fast market can be taken back (clause Appendix A)Visit this page on the broker's siteDownload the full size image file

Our readingMost agreements let a broker reverse profit that came from an error or from abuse. This definition reaches profit from ordinary trading whenever the market moves fast or gaps, with no wrongdoing required.

  • Worse together with Exhibit 3A profit removed as illicit can be challenged only through a complaint Opofinance may refuse, judged on its own server log.
02

If Opofinance has "grounds" to suspect prohibited trading, clause 34.2 lets it cancel your winning trades and hold you to the losing ones. If you already withdrew the profit, Opofinance can recover it from "related accounts".

Why this matters

To keep those profits you must send "conclusive evidence" that you did nothing wrong within a month of the closure. Opofinance need not give its reason, and clause 27.2 lets it take any profit it deems "inappropriately gained".

Exhibit 2CriticalHarder than usual

Treat all the Client’s Open Positions and Trades under this paragraph asimmediately void even if they are Open Positions or Trades under which the Client hasmade profits.
Clause 34.2 in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026Winning trades voided, losing trades kept, on suspicion (clause 34.2)Visit this page on the broker's siteDownload the full size image file

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
On closureOpofinance closes your positions, can withhold your funds and need not give a reason.34.2
One month after closureWithout your conclusive evidence of innocence, the profitable trades become finally void.34.2
03

Opofinance has "the absolute right to refuse a complaint" under clause 17.13. A trade confirmation becomes final unless you object in writing within two business days, under clause 35.4.

In plain words

A manifest error means an obvious mistake by the broker.

Why this matters

Miss the two business days and the trade stands as Opofinance recorded it. In any dispute its own server log outranks your records, and prices from other brokers are not considered.

Exhibit 3CriticalHarder than usual2 working days

OPO GROUP LLC. shall have the absolute right to refuse a complaint lodged by aClient.
Clause 17.13 in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026Complaints refusable, and trades final after two business days (clause 17.13)Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: ASIC (Australia), FSCA (South Africa)

Firms holding an Australian financial services licence must belong to the Australian Financial Complaints Authority, and FSCA-licensed providers must tell clients about the FAIS Ombud. This agreement with Opo group LLC names no outside complaints body and lets the firm refuse any complaint.

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

04

Opofinance can end your agreement with immediate effect under clause 20.2. Clause 20.13 then lets it hold back any amount it considers appropriate for "future liabilities" before paying you, with no cap and no release date.

Why this matters

Your money can stay with Opofinance for as long as it decides, and under clause 34.2 a suspicion is enough to withhold it. If your balance is below the bank charge when you close, clause 15.6 says you receive nothing.

Exhibit 4CriticalHarder than usual

Both parties may terminate this Agreement with immediate effect by givingWritten Notice to the other Party.
Clause 20.2 in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026On closure, Opofinance holds back whatever it judges appropriate (clause 20.2)Visit this page on the broker's siteDownload the full size image file
  • Same clause as Exhibit 2Clause 34.2 both voids the profit and lets Opofinance hold your funds for as long as its suspicion lasts.
05

If you read Opofinance's Farsi page, a USDT withdrawal costs 0.15%. The English and Arabic pages list $3 to $6 for the same withdrawal, and every version headlines withdrawals as free.

Why this matters

Clause 27.12 says pages in other languages do not bind Opofinance, so the English fee is the one it can apply. The contract goes further still: clause 15.6 debits every payment charge to your account.

Exhibit 6Warning

برداشت رایگان وجه، بدون کارمزد پنهان
Quoted in واریز و برداشت وجه با اپوفایننس
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026The claim, on Farsi deposit and withdrawal page, banner above the withdrawal tableVisit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract says, clause 15.6Visit this page on the broker's siteDownload the full size image file

What it costsOn a $100 USDT withdrawal, 0.15% is 15 cents. The English table's $3 to $6 is 3% to 6% of the same $100.

  • Worse together with Exhibit 7Pages that promise free withdrawals sit beside clause 6.14, which charges usually 3% to 6% when you withdraw without trading.

Suspicion alone cancels every trade made under an Opofinance promotion

Any indication or suspicion of abuse in an Opofinance promotion or contest nullifies every trade and profit made under it, under clause 32.1(d). The firm publishes no separate rules for any promotion we could find, so that clause is the whole rulebook.

Promotion terms1 clause flagged

If you join an Opofinance promotion or contest, any "indication or suspicion" of abuse cancels every trade and profit made under it. Clause 32.1(e) lets Opofinance disqualify you and annul all your profits on suspicion alone.

Why this matters

The clause needs suspicion, not proof, and your only answer is a complaint that clause 17.13 lets Opofinance refuse. We found no separate published rules for any Opofinance promotion.

Exhibit 5CriticalHarder than usual

Any indication or suspicion of fraud, manipulation, cash-back or bonus or swaparbitrage, or other forms of deceitful or fraudulent activity in a Client’s account ormultiple account with OPO GROUP LLC. or otherwise related or connected to theTrading Benefit Scheme will nullify any and all transactions executed and/or profits orlosses garnered therein.
Clause 32.1(d) in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026Suspicion during a promotion cancels every trade in it (clause 32.1(d))Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: ESMA (EU), ASIC (Australia)

Under ESMA's CFD rules in the EU, firms may not offer retail clients bonuses or other benefits to trade CFDs, and ASIC's order in Australia bans such inducements too. This agreement keeps promotion schemes and lets Opo group LLC cancel every trade in one on suspicion.

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

Opofinance's fees sit in the contract, not on the pages that sell

Usually 3% to 6% is what clause 6.14 of Opofinance's agreement lets it charge when a client withdraws without trading. Its deposit page never mentions that charge. The same agreement makes dividend credits on long positions discretionary and charges swap-free accounts a fee it does not publish.

Cost disclosure3 clauses flagged

If you deposit and then withdraw without trading, clause 6.14 lets Opofinance charge "costs endured" of usually 3% to 6%. Clause 9.10(a) also lets it charge you the deposit fees it incurred.

Why this matters

Changing your mind after a deposit costs money, and the contract gives a usual range, not a price. Clause 10.1 converts currency at a rate Opofinance determines, and a card chargeback carries a fee with no stated amount.

Exhibit 7WarningHarder than usual6%

If a client deposits money into a trading account and requests a withdrawalwithout having trading activity in the account, Opo group LLC. holds the right to chargeclient costs endured related to that transfer of funds usually 3%6%.
Clause 6.14 in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026The claim, on English deposit and withdrawal page, banner above a table that lists $3 to $6 for USDT withdrawalsVisit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract says, clause 6.14Visit this page on the broker's siteDownload the full size image file

What it costsDeposit $1,000 and withdraw it without a trade, and 3% to 6% means $30 to $60 kept back.

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

Firms licensed by CySEC or the FCA must tell retail clients their costs and charges in advance, as amounts. Clause 6.14 names only a usual range, and clause 9.2 lets Opofinance change its fees without written notice.

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

Hold a short CFD, a contract on a share's or index's price, over the ex-dividend date, and clause 9.14 charges you the full gross dividend. If you hold it long, you get the matching credit only if Opofinance chooses to pay it.

Why this matters

The contract says the charge mirrors the price drop on the ex-dividend date, the day a share starts trading without its dividend. Hold long and you take that drop, while the offsetting credit is at Opofinance's "sole discretion".

Exhibit 8WarningHarder than usual

For short (sell) positions, the Client will be debited an amount equivalent to the gross dividend declared by the underlying issuer or index.
Clause 9.14 in Terms and Condition
Read from the broker's site on Open the reference

If you open one of Opofinance's swap-free (Islamic) accounts, which pay no overnight interest, clause 33.1(b) still charges you a "Swap Free charge" it defines. Clause 33.1(c) lets it change that charge at any time, or end the account type without warning.

Why this matters

The clause points you to a swap-free section of the website for the price, and we found no such section. The asterisk beside "Swap Free: Applicable*" on the account pages leads to no explanation either.

Exhibit 9WarningHarder than usual

the Swap Free charge for all positions open as these may be defined and/or issued by OPO GROUP LLC. from time to time (inclusive of the day of the position isopened and/or closed) and as such charges and duration is provided within theContract Specifications for Swap Free Accounts section on the Website.
Clause 33.1(b) in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of blog.opofinance.com, taken on Oct 24, 2026The claim, on Opofinance blog guide to Islamic accounts, dated 8 December 2025Visit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract says, clause 33.1(b)Visit this page on the broker's siteDownload the full size image file
  • Worse together with Exhibit 2On a swap-free account, suspicion of swap arbitrage also lets Opofinance deduct a penalty equal to your profit under clause 33.1(a).

Opofinance can take back profit made in fast markets or under suspicion

Three routes in Opofinance's client agreement let it cancel profit after the fact. Its definition of Illicit Profit covers gains made while prices move fast or gap. Clause 34.2 voids winning trades on suspicion while enforcing losing ones, and clause 17.22 voids trades whose hedge a liquidity provider cancels.

In plain words

Liquidity providers are outside banks and brokers.

Profit reversal1 clause flagged

Opofinance can void any of your trades if its liquidity provider, the firm it hedges with, cancels the matching hedge trade (clause 17.22). You cannot see that hedge or influence it.

Why this matters

A winning trade can vanish for a reason that sits entirely between Opofinance and its supplier. The contract sets no time limit on when it can do this.

Exhibit 18WarningHarder than usual

OPO GROUP LLC. has the right to void any Transaction if the correspondinghedge trade has been canceled by a Liquidity Provider.
Clause 17.22 in Terms and Condition
Read from the broker's site on Open the reference

Opofinance rewrites the rules by posting them, and one rewrite is live

One hour after a post on its news page, Opofinance's agreement treats a change as notice to every client. Its web terms already carry a rewritten leverage policy with a high-risk label the PDF agreement lacks. Opofinance can pay a deficit on one account from a client's others, and its documents give three lists of refused countries.

Unilateral control4 clauses flagged

Opofinance can change your agreement "at any time and at its sole discretion" by email or by posting the change on its website. Under clause 19.3(d), a post on its news page counts as notice to you one hour later.

Why this matters

The two copies already disagree: the web terms cut leverage, the borrowing that multiplies your trade, three hours before the weekend close. The PDF on the Legal Documents page still says two hours, and neither copy is dated.

Exhibit 11WarningHarder than usual

The Client acknowledges that OPO GROUP LLC. has the right to unilaterallymodify the terms and conditions of the Operative Agreements at any time and at itssole discretion, giving to the Client Written Notice by email and/or by posting themodification on the Website
Clause 20.1 in Terms and Condition
Read from the broker's site on Open the reference
  • Worse together with Exhibit 12The high-risk leverage rule arrived exactly this way, through an undated change to the web terms that the PDF agreement does not show.

A clause added after May 2026 lets Opofinance cut your leverage, raise margin or restrict your trading once it labels you high-risk. Its listed reasons include "toxic flow indicators", a dealers' term for trading that tends to cost the dealer money.

Why this matters

Opofinance sells accounts with leverage of up to 1:2000, and this lets it cut that back permanently, without notice or a reason you can see. Clause 14.12 does say leverage changes apply only to positions opened afterwards, unless Opofinance states otherwise.

Exhibit 12WarningHarder than usualNew

The Company reserves the right to apply a dynamic Leverage model, enhanced marginrequirements, or other trading restrictions to Clients categorized by the Company as high-riskClients based on internal risk management assessments.
Clause 14.11 in Terms and Condition
Read from the broker's site on Open the reference

If one of your accounts goes into deficit, clause 13.3 lets Opofinance cover it with money from your other accounts. It accepts no liability if that transfer triggers a stop out, the automatic closing of your positions.

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

Clause 15.8 promises negative balance protection, meaning losses cannot exceed your funds, but clause 13.3 lets one account's funds pay for another's losses. Clause 15.7 adds that anything you still owe comes out of your next deposit.

Exhibit 13WarningHarder than usual

OPO GROUP LLC. shall be entitled to settle any obligations due by theTrading Account in deficit by transferring funds from the Trading Account(s) which hasfunds available. In the event of such transfer, OPO GROUP LLC. shall not be liable forany margin call or losses that the Client may suffer, including but not limited to lossesdue to Stop-out Level.
Clause 13.3 in Terms and Condition
Read from the broker's site on Open the reference
Set against a regulated standard: CySEC (Cyprus), ASIC (Australia)

Firms licensed by CySEC or ASIC must cap a retail client's CFD losses at the funds in the CFD account concerned. This agreement lets Opo group LLC cover a deficit from your other accounts and from your next deposit.

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

Opofinance's contract refuses you if you live in the United States, Japan, Australia or Canada. Its English footer lists Turkey, the USA, Japan, Canada and North Korea instead, and its Farsi footer adds Australia and Russia.

Why this matters

Clause 5.10 makes the website's list part of your contract, and the website shows two lists. If you live in Australia, Turkey or Russia, whether Opofinance should have accepted you depends on which page you read.

Exhibit 14Warning

Clients that are resident of the UnitedStates, Japan, Australia, and Canada will not be on-boarded by OPO GROUP.
Clause 5.9 in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026The claim, on English site footer, shown on every pageVisit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract says, clause 5.9Visit this page on the broker's siteDownload the full size image file

Two business days to object, and no complaint Opofinance has to accept

Two business days is all Opofinance's agreement allows a client to object to a trade confirmation before it becomes final. Clause 17.13 gives the firm the absolute right to refuse any complaint, and its own server log outranks the client's records. A disputed position stays frozen, and Opofinance does not say when it reopens.

Complaint barriers1 clause flagged

While Opofinance considers your complaint about a position, clause 17.19 says you cannot manage that position. Clause 17.20 says Opofinance will not tell you when it has resolved the dispute and reopened the trade.

Why this matters

A reopened position moves with the market again, and you carry "all the risks" of a trade nobody told you was back. You cannot complain about the freeze itself either.

Exhibit 17WarningHarder than usual

The Client acknowledges that he/she will not be able to manage the positionwhile the dispute regarding this position is being considered and no complaints inregard to this matter are accepted.
Clause 17.19 in Terms and Condition
Read from the broker's site on Open the reference

Fifteen days after your ID expires, your account stops trading

15 calendar days after a client's identity documents expire, Opofinance's agreement switches the account to close-only mode, and 60 days later the firm closes it. Its privacy policy names a different Opo company from the agreement and lets data go to authorised third parties.

Document deadlines2 clauses flagged

When your identity documents expire, you have 15 calendar days to replace them before clause 20.6 switches your accounts to close-only mode. Close-only mode blocks new trades, and sixty days later Opofinance closes the accounts and returns the balance to its source.

Why this matters

Clause 20.9 also lets Opofinance put any MetaTrader account into close-only mode "at any point of time", with no reason stated. If your money cannot go back to its original source, it stays in Opofinance's client accounts until you reply.

Exhibit 15WarningStandard wording15 days

If the Client does not provide valid and updated information withinfifteen 15 calendar days after the documents have expired, the account(s) will be setto Close Only Mode
Clause 20.6 in Terms and Condition
Read from the broker's site on Open the reference

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
15 calendar days after documents expireYour accounts go into close-only mode: you can close trades but not open new ones.20.6
60 calendar days in close-only modeOpofinance closes the accounts and sends any balance back to its original source.20.8
14 days after a request for more informationOpofinance can disable your MT4 and MT5 accounts so you cannot trade at all.20.9
90 calendar days after that requestOpofinance closes the accounts and handles the balance as under clause 20.8.20.9

Opofinance's privacy policy opens in the name of OPO GROUP LTD, a Seychelles company, while the agreement you sign is with Opo group LLC. Your name, address and email can go to third parties "authorized by OPOFINANCE".

Why this matters

You cannot tell which company holds your identity documents, and the policy never names the country whose data law applies. Opofinance may also charge "a reasonable fee" before showing you your own data.

Exhibit 20NoticeStandard wording

OPO GROUP LTD notifies you that your privacy is important to us.
Clause 1.1 in Privacy Policy
Read from the broker's site on Open the reference

Buried at section 53 of 72 in the Privacy Policy, 74% of the way through.

Sold as direct market access, dealt by Opofinance as principal

Opofinance's ECN page promises a direct connection to the interbank market. Clause 8.1(a) of its agreement lets the firm itself sell to and buy from the client. The agreement's only mention of the interbank market is a definition that stops mid-sentence.

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.

Counterparty risk1 clause flagged

Opofinance's ECN page says the account "connects you directly to the interbank market". Clause 8.1(a) says Opofinance may itself be the one selling to you or buying from you, dealing for its own account.

Why this matters

When the firm on the other side of your trade also sets the price, your loss can be its gain. Clause 8.2 has you accept that conflict in advance, and clause 6.3 lets Opofinance keep the interest earned on your money.

Exhibit 16WarningStandard wording

dealing in the Instrument concerned as Principal for OPO GROUP LLC.’s accountby selling to or buying the Instrument from the Client
Clause 8.1(a) in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026The claim, on MetaTrader ECN account page, under the heading Access the Market DirectlyVisit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract says, clause 8.1(a)Visit this page on the broker's siteDownload the full size image file

Six idle months start a $5 monthly charge on your balance

$5 a month is the handling fee Opofinance's agreement allows on any positive balance after six months without a trade. Balances of up to 1 USD, EUR or GBP can go to charity after 90 days. Untraceable balances can leave the client account after six years.

In plain words

Dormancy means an account left unused.

Dormancy1 clause flagged

If you stop trading for six consecutive months, Opofinance can charge a $5 monthly handling fee on any positive balance, under clauses 9.11 and 27.13. The fee runs until the balance reaches zero.

Why this matters

A forgotten account empties itself. Balances of up to 1 USD, EUR or GBP can go to charity after 90 days. After six years without movement, an untraceable client's money can leave the segregated account.

Exhibit 10WarningStandard wording$5

In case the Client does not have any trading activity on all Clients TradingAccounts for a period equal to 6 (Six) consecutive calendar months or more startingfrom last Clients trading activity, OPO GROUP LLC. might charge the Client an amountof 5 USD monthly.
Clause 9.11 in Terms and Condition
Read from the broker's site on Open the reference

What it costsLeave $100 untouched and, once the fee starts, $5 a month empties it in 20 months.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Over 90 calendar days closed or inactiveA balance of up to 1 USD, EUR or GBP can be taken and given to charity.6.11
Six consecutive months without a tradeA $5 monthly handling fee can start on any positive balance, and the account can be closed.27.13
Six years with no movementIf Opofinance cannot trace you, it may release your money from the segregated client account.6.10

Your contract is with Opo group LLC, not the licensed Opo companies

Three licences appear on Opofinance's site, held by OPO FINANCE PTY LTD, OPO FINANCE (PTY) LTD and OPO GROUP LTD. The only published client agreement is with Opo group LLC of St. Vincent and the Grenadines. It binds clients to policies the site does not publish.

Who you contract with2 clauses flagged

Your agreement binds you to an AML (anti-money-laundering) Policy, Withdrawal Conditions, a Complaints Management Policy, an Order Execution Policy and Terms of Business. Opofinance's Legal Documents page publishes none of them, only four documents.

Why this matters

Clause 17.3 lets Opofinance dismiss a complaint that does not follow a policy you cannot read. The Conflict of Interest Policy that clause 8.3 makes part of your agreement is missing too.

Exhibit 19Warning

This Client Agreement, the Risk Disclosure, the Privacy Policy Statement, The refundPolicy, The AML Policy, Withdrawal Conditions that can be found in the Policies andRegulations section of the Website (hereinafter all of them referred to as “OperativeAgreements”)
Quoted in Terms and Condition
Read from the broker's site on Open the reference
Set against a regulated standard: CySEC (Cyprus), FCA (UK)

Firms licensed by CySEC or the FCA must give retail clients a description of their order execution policy and a summary of their conflicts of interest policy before providing services. This agreement incorporates both, and the site publishes neither.

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

The only client agreement Opofinance publishes, the one you would sign, is with Opo group LLC of St. Vincent and the Grenadines. The Australian ASIC, South African FSCA and Seychelles FSA licences on its site belong to three other Opo companies.

Why this matters

A licence protects the clients of the company that holds it. Signing this agreement makes you a client of Opo group LLC, and clause 5.9 refuses Australian residents in any case.

Exhibit 22Notice

This Client Agreement (“Agreement”) is entered by and between Opo group LLC.(hereinafter called “the Company”) and the Client
Quoted in Terms and Condition
Read from the broker's site on Open the reference
Our own capture of opofinance.com, taken on Oct 24, 2026The claim, on Banner at the top of the English homepageVisit this page on the broker's siteDownload the full size image file
Our own capture of opofinance.com, taken on Oct 24, 2026What the contract saysVisit this page on the broker's siteDownload the full size image file

Disputes go to St. Vincent courts, under a contract drafted for Cyprus

St. Vincent and the Grenadines is the only forum Opofinance's agreement allows, and clients waive any objection to it. The text still cites Cyprus law, and clause 27.7 lets the firm transfer the agreement to another company on ten business days' notice.

Forum1 clause flagged

Any court case over your account must go to the courts of St. Vincent and the Grenadines, and you waive any objection to that forum. Parts of the agreement still point to the law of Cyprus.

Why this matters

To sue, you would need lawyers in the Caribbean. Clause 27.7 also lets Opofinance transfer your agreement to another company ten business days after notice, and it lists four Opo companies in four countries.

Exhibit 21NoticeStandard wording

With respect to any proceedings, the Client irrevocably: agrees with the courtsof St. Vincent and the Grenadines.
Clause 28.2 in Terms and Condition
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 Farsi page promises free withdrawals, while clause 15.6 debits every payment charge to your account.

Said in public, in Persian

برداشت رایگان وجه، بدون کارمزد پنهان

Word for word in English: Free withdrawal of funds, no hidden fee

Farsi deposit and withdrawal page, banner above the withdrawal table

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

In the contract · clause 15.6

OPO GROUP LLC. shall debit the Client’s Trading Account for all paymentcharges.

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

02

The English page promises fee-free withdrawals, while clause 6.14 lets Opofinance charge usually 3% to 6% if you withdraw without trading.

Said in public, in English

Enjoy fee-free withdrawals with no hidden charges or deductions

English deposit and withdrawal page, banner above a table that lists $3 to $6 for USDT withdrawals

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In the contract · clause 6.14

If a client deposits money into a trading account and requests a withdrawalwithout having trading activity in the account, Opo group LLC. holds the right to chargeclient costs endured related to that transfer of funds usually 3%6%.

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03

The footer leaves out Australia, which the contract refuses, and adds Turkey and North Korea, which the contract does not name.

Said in public, in English

We are not accepting users from these countries: Turkey, USA, Japan, Canada, and North Korea.

English site footer, shown on every page

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In the contract · clause 5.9

Clients that are resident of the UnitedStates, Japan, Australia, and Canada will not be on-boarded by OPO GROUP.

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04

The ECN page promises a direct line to the interbank market, while clause 8.1(a) lets Opofinance itself sell to you or buy from you.

Said in public, in English

This account connects you directly to the interbank market, facilitating real-time order execution.

MetaTrader ECN account page, under the heading Access the Market Directly

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In the contract · clause 8.1(a)

dealing in the Instrument concerned as Principal for OPO GROUP LLC.’s accountby selling to or buying the Instrument from the Client

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05

The blog says swap-free accounts carry no hidden admin fees, while clause 33.1(b) charges them a fee Opofinance defines and does not publish.

Said in public, in English

Opofinance avoids widening spreads or charging hidden admin fees on its swap-free forex brokers accounts, which is a common issue elsewhere.

Opofinance blog guide to Islamic accounts, dated 8 December 2025

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In the contract · clause 33.1(b)

the Swap Free charge for all positions open as these may be defined and/or issued by OPO GROUP LLC. from time to time (inclusive of the day of the position isopened and/or closed) and as such charges and duration is provided within theContract Specifications for Swap Free Accounts section on the Website.

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06

The homepage says Opofinance holds an FSCA licence, while the agreement makes Opofinance a brand of a St. Vincent company and the footer gives that licence to OPO FINANCE (PTY) LTD.

Said in public, in English

Opofinance is now licensed by the FSCA of South Africa (License No. 54594).

Banner at the top of the English homepage

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In the contract

OPOFINANCE is a business brand of Opo group LLC, Registered office: Suite 305,Griffith Corporate Centre, Beachmont, Kingstown, St. Vincent and the Grenadinesunder License number 866LLC2021.

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What changed quietly

Some time after May 2026, Opofinance rewrote leverage clauses 14.11 and 14.12 of its web terms. The new text adds a rule that lets it restrict clients it labels high-risk, while the PDF agreement kept the old wording. We now also flag clauses we had not shown you before: the Illicit Profit definition with clause 24.1(j), the dividend rule in 9.14, the swap-free charge in 33.1, clauses 17.19 to 17.22 on frozen disputes and voided hedges, and the clashing country lists in 5.9. All 15 earlier findings still stand. The Farsi fee gap moves from critical to warning because it costs money without putting your balance at risk, and the risk score rises from 7.5 to 8.

  • ADDEDClause 14.11 · Archived copy, 17 May 2026 to Live page, 24 October 2026

    Opofinance can now restrict leverage, margin and trading for any client it labels high-risk, permanently and without notice.

    The Company reserves the right to apply a dynamic Leverage model, enhanced marginrequirements, or other trading restrictions to Clients categorized by the Company as high-riskClients based on internal risk management assessments.

  • REWRITTENClause 14.11 · Archived copy, 17 May 2026 to Live page, 24 October 2026

    Weekend leverage cuts now start three hours before the close instead of two, with caps of 1:100 on forex and 1:50 on metals, indices and energies.

    Prior to weekends and recognized public holidays, Leverage settings will be modified three (3)hours before the market's scheduled closing time. The following temporary Leverage caps mayapply:

  • REWRITTENClause 14.11 · Archived copy, 17 May 2026 to Live page, 24 October 2026

    The news window moved to 15 minutes before and 10 minutes after a release, with caps as low as 1:10 on crypto.

    In the event of significant economic news or announcements, Leverage settings will be adjustedfifteen (15) minutes before and ten (10) minutes after such news is made public.

  • ADDEDClause 14.12 · Archived copy, 17 May 2026 to Live page, 24 October 2026

    Positions already open are now shielded from leverage changes under this policy, unless Opofinance states otherwise.

    Unless otherwise explicitly stated by the Company, Leverage adjustments under this policy shallapply only to newly opened positions and shall not retroactively alter the margin requirementsof existing open positions.

  • ADDEDClause 14.12 · Archived copy, 17 May 2026 to Live page, 24 October 2026

    Opofinance added powers to restrict new positions and limit trading on chosen instruments in abnormal conditions.

    In exceptional market conditions, including but not limited to Force Majeure Events, abnormalvolatility, low liquidity conditions, market disruptions, trading halts, pricing anomalies, orgeopolitical events, the Company reserves the right to:

The documents this reading is based on

12 files, all published by Opofinance. 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 Opofinance publishes.

How this reading was done

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

This reading was published on . It is the newest of 2 readings we keep of these documents. See every reading.

Documents
12 of 12downloaded from the broker's site, and 12 read in full
Pages opened
71pages walked to find those documents, footer links included
Older copies
5earlier versions downloaded
Marketing pages
11public pages set against what the contract says
Languages
EN vs FAthe language it advertises in, against the language it contracts in
Position measured
1clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

Opo group LLC

Opo group LLC of St. Vincent and the Grenadines (number 866LLC2021) is the only company the client agreement names, yet the Legal Documents page that links it is headed OPO GROUP (LTD). The licences on the site belong to OPO FINANCE PTY LTD (ASIC), OPO FINANCE (PTY) LTD (FSCA) and OPO GROUP LTD (Seychelles FSA). The footer says clients onboarded under OPO GROUP LTD and OPO FINANCE PTY LTD use cTrader and TradingView. No agreement with either company is published, and the registration page names only those two. The English regulation page lists Opo Group LLC only as a member of The Financial Commission, and the Arabic version of the same page gives that membership to OPO Group LTD.

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.

Every time we have read this contract

We keep 2 readings of Opofinance’s documents, newest first. Each one shows what we said at the time.

2 readings

What changed since Aug 17, 2026

The counts below are about our own list of clauses. A clause can join it because the broker added it, or because this reading found something the last one missed.

New on our list
16 clauses
Off our list
9 clauses
We rate critical
5 now, 5 then
Our risk score
7.5 to 8 out of 10

The counts above are the totals each reading published. They show that a total moved. They do not yet say which single clause was added or dropped.

  1. CurrentRisk 8/1022 clauses5 critical
  2. Risk 7.5/1015 clauses5 criticalReplaced

We keep every past reading so you can check what we said before, and when we said it. Those pages are archived snapshots of an older contract, so search engines are asked not to index them.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

Clause 15.3 promises to pay a withdrawal the same day you ask, or the next working day, which is a firmer deadline than many agreements give. Retail clients get negative balance protection in clauses 15.8 and 16.6, and clause 17.12 promises an answer to a complaint within five business days. Clause 20.6 has documents reviewed within 48 hours. The newest leverage rules protect positions already open unless Opofinance says otherwise.

Opofinance publishes none of the policies its agreement relies on: the AML Policy, Withdrawal Conditions, Complaints Management Policy, Order Execution Policy, Conflict of Interest Policy, Services document, Terms of Business, Customer Categorization, Safeguarding of Clients Assets Policy and the swap-free charges section. None of them can be read. The broker publishes no separate rules for any promotion. The review stops at the first step of registration, so it does not show which agreement a new client is asked to accept, or which Opo company onboards cTrader and TradingView clients. The FAQ showed only its support answers, and the Spanish, Portuguese, German and Japanese menu entries lead to no translated pages. Our earlier copy of the web terms is the Internet Archive's copy of 17 May 2026, so we can only date the leverage rewrite to sometime between that day and 5 October 2026.

How to check any of this yourself

Every quote above links to the Opofinance 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 Opofinance 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 Opofinance 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 24, 2026.

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

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