Wikilix
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 .

Contracting entity: Opo group LLC

sole discretionhidden feedeemed acceptancewithdrawalsdormancyjoint liabilitykyc freezeprofit voidingbonus lockcomplaint window

Opofinance clients contract with Opo group LLC, a Saint Vincent company, under Saint Vincent law, whichever regulator the website advertises. The contract lets the firm void profitable trades while enforcing losing ones and claw profit back from related accounts, and gives it an absolute right to refuse a complaint. Withdrawing without trading can cost 3% to 6% plus the deposit fee back, on a site whose withdrawal page promises no deductions. The Farsi and English pages quote different fees for the same withdrawal, and clause 27.12 says only English binds anyone.

Back to Opofinance

Contract risk

Money at risk
7.5/10

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.
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.
13
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.

Critical5
Warning7
Notice3

section 56 of 72is where the deepest clause sits, 78% of the way into the document it is in

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

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 can be refused and trades go unchallengeable in two days6%Fee you were not shown. Jump to the clause this comes from.Withdrawing without trading costs up to 6% plus the deposit fee$5Fee on an unused account. Jump to the clause this comes from.Five dollars a month after six months, small balances to charity15 daysDocument deadline. Jump to the clause this comes from.Expired documents put the account into close only mode

What the documents say

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

01

The English withdrawal table charges 3-6$ for a USDT (TRC20) withdrawal. The Farsi version of the same table charges 0.15%. Both pages are headed with a promise of free withdrawals, and clause 27.12 says anything not in English does not bind the company.

Why this matters

A Farsi speaker reads a page in their own language, funds an account on the strength of it, and has agreed to a contract saying only the English wording counts. When the two disagree about what a withdrawal costs, the version never read is the one that wins.

Exhibit 1CriticalRarely seen

برداشت رایگان وجه، بدون کارمزد پنهان
Clause Withdrawal banner in روش‌های واریز و برداشت
Downloaded from the broker's site on Open the reference

Our readingA localised site is normal. Publishing a different fee for the same payment method in a second language, while the contract strips that language of legal effect, puts the marketing that recruits the client outside the agreement entirely.

  • Worse together with Exhibit 4The page promising free withdrawals is what a client checks before agreeing to a contract that charges 3% to 6% for withdrawing without trading.
02

Clause 34.2 lets Opo group LLC treat positions as void where the client made a profit while enforcing the ones where the client made a loss, and take confiscated profit from related accounts if it has already been withdrawn. The client then has one month to produce conclusive evidence of innocence.

Why this matters

The burden runs the wrong way. The firm decides on suspicion, keeps your losses, cancels your gains, and you must prove a negative inside a month. The clause does return the original deposit, so what is at stake is what you made, not what you put in.

Exhibit 2CriticalRarely seen

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
Downloaded 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 treat clients fairly and cannot cancel executed trades on an unstated suspicion. This contract acts in absolute discretion, with or without notice, and without giving its reason.

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

Our readingVoiding abusive trades is common. Voiding only the profitable side while enforcing the losing side, then recovering the difference from other accounts the firm links to you, is a one way ratchet most retail agreements do not contain.

  • Worse together with Exhibit 8One clause creates a debt out of cancelled profit, the other moves money between all of the client's accounts to settle it.
  • Worse together with Exhibit 3Profit can be cancelled on suspicion and the complaint about that cancellation can be refused outright.
03

Clause 17.13 gives Opo group LLC the absolute right to refuse a complaint. Trade confirmations become conclusive unless the client objects in writing within 2 business days, the firm's server log has absolute priority over other evidence, and prices from any other company will not be considered.

In plain words

A manifest error means an obvious mistake by the broker.

Why this matters

If a fill looks wrong on a Friday you have until Tuesday. Miss it and the trade is correct forever. Complain in time and the only evidence that counts is the file the firm keeps, and it can decline to hear you at all.

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
Downloaded 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 acknowledge a complaint, investigate within a set period, issue a written final response and point the client to an independent ombudsman. This contract sets a two business day objection window and reserves an absolute right of refusal.

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

04

Clause 15.6 pays out the balance less all bank charges, and where the charges are larger the client receives nothing and the account is closed. On termination clause 20.13 lets the firm hold back whatever it considers appropriate in its absolute discretion for future liabilities.

Why this matters

The last slice of your money can vanish into a fee instead of coming back, with no floor written into the clause. On closure the firm alone decides how much of your balance to keep and against what.

Exhibit 5CriticalHarder than usual

If the Client instructs OPO GROUP LLC. to close the Client’s Trading Account,the net amount payable to the Client shall be the balance amount less any and all bankcharges provided the balance amount is greater than the bank charges; if not, then theClient agrees he will not receive any amount and the account will be closed without anyfurther transfer of funds taking place.
Clause 15.6 in Terms and Condition
Downloaded from the broker's site on Open the reference
05

Clause 6.14 lets Opo group LLC charge transfer costs of 3% to 6% when a client deposits then withdraws without trading, and clause 9.10 charges back the equivalent of any deposit fee on top. Neither number appears on the deposit and withdrawal page.

Why this matters

Deposit 500 dollars, change your mind before placing a trade, and up to 30 dollars of transfer cost plus the card fee comes back out. The page you funded the account from says withdrawals are free.

Exhibit 4WarningHarder 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
Downloaded from the broker's site on Open the reference

What it costsA 1,000 dollar card deposit carries the 2.5% card fee, 25 dollars. Withdraw before trading and the 6% transfer cost, 60 dollars, plus that 25 dollars can be charged, so 1,000 dollars leaves as 915 dollars.

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

Firms licensed by the FCA or CySEC must disclose all costs and charges to a retail client before the client trades. Here the charge sits at clause 6.14 of the agreement while the payments page says no fee applies.

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

  • Worse together with Exhibit 5The percentage comes off first, and if what is left is smaller than the bank charges, clause 15.6 pays out nothing at all.

A suspicion about a bonus nullifies every trade on the account

Clause 32.1(d) nullifies all transactions and all profits on any indication or suspicion of bonus, cash back or swap arbitrage. Clause 33.1(a) adds a penalty on swap free accounts equal to the swap and to any profit amount. Swap free is advertised as a feature of the Standard account.

Benefit schemes1 clause flagged

Clause 32.1(d) says any indication or suspicion of bonus, cash back or swap arbitrage nullifies all transactions and all profits or losses on the account. Clause 33.1(a) lets the firm close every position on a swap free account and deduct a penalty equal to the swap and to any profit amount.

Why this matters

Swap free is sold as a feature on the Standard account page. Take it, and a suspicion the firm never has to prove can remove everything you made, not only the swap you saved.

Exhibit 9CriticalHarder 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
Downloaded from the broker's site on Open the reference
  • Worse together with Exhibit 2Two separate clauses reach the same result on the same suspicion, so a client cleared under one can still be caught by the other.

Charges, terms and leverage all change with a post on the website

Clause 9.2 changes commissions and costs without prior notice and calls a website post due notice, deemed received one hour later. Clause 14.11 cuts advertised leverage of 1:2000 to 1:100, 1:50 and 1:10 around news and weekends. Clause 13.3 moves money between a client's own accounts and disclaims the stop out that follows.

Unilateral change2 clauses flagged

Clause 9.2 varies commissions, charges and other costs without prior written notice and calls a post on the website due notice. Clause 20.1 extends that to the whole agreement, and clause 19.3 deems a notice served one hour after it appears on the news page.

Why this matters

Nothing has to reach your inbox. A change counts as delivered an hour after it goes on a page you may never open, and the only remedy is closing the account after it has taken effect.

Exhibit 7WarningHarder than usual

OPO GROUP LLC. may vary commissions, charges, and other costs from time totime without prior Written Notice to the Client. All changes in commissions, chargesand other costs are displayed on OPO GROUP LLC. Website and posting on theWebsite shall be considered due notice.
Clause 9.2 in Terms and Condition
Downloaded 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 give a retail client advance notice in a durable medium before terms or charges change to the client's disadvantage. This contract treats a website post as notice, deemed received within an hour.

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

Clause 13.3 settles a deficit on one trading account by transferring funds from any other account the client holds, and disclaims liability for any margin call or loss that follows, including a stop out. Clause 20.11 combines and sets off all the client's accounts on termination.

Why this matters

Keeping a second account funded so one bad position cannot wipe out everything does not work here. If the transfer triggers a stop out on the healthy account, that loss is yours.

Exhibit 8WarningHarder than usual

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
Downloaded from the broker's site on Open the reference

An expired document freezes the account in fifteen days

Fifteen days after a document expires the account goes to close only mode, fourteen days of silence can disable it entirely, and at 60 or 90 days it is closed. The privacy policy that governs everything collected on the way reserves disclosure to unnamed parties with no contract.

Verification holds2 clauses flagged

Fifteen calendar days after a document expires the account goes to Close Only Mode. Fourteen days after an unanswered request the account can be disabled entirely, and at 60 or 90 days it is closed, with funds returned to source or, where charges exceed the amount, sent to charity with the client's consent.

Why this matters

A passport that expires while you hold a position is enough to stop you opening anything new. Miss the follow up emails and the account closes and the money is routed back the way it came, which only helps if that route still exists.

Exhibit 11WarningStandard 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 (the Client will not be permitted to open any new Transactions orincrease exposure under existing Transactions, but the Client will be permitted toclose, partially close or reduce exposure, under existing Transactions).
Clause 20.6 in Terms and Condition
Downloaded 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
Within 48 hoursDocuments submitted are evaluated by the Identity Verification team.20.6
Day 15 after expiryThe account is set to Close Only Mode: positions can be closed or reduced, nothing new opened.20.6
Day 14 after a requestMT4 and MT5 accounts can be disabled so no trading is possible at all.20.9
Day 60 in close only modeThe account is closed and funds returned to source, or consent sought to send them to charity where charges exceed the amount.20.8
Day 90 after notificationThe account is closed and the business relationship terminated.20.9

The privacy policy reserves the right to disclose personal data to third parties that have no contractual relationship with Opofinance, on the grounds of their authority and official status, without naming them. A client who asks to see the data held about them may be charged a fee.

Why this matters

You cannot tell from this policy who ends up holding your passport scan and your trading record, and finding out costs money. There is no retention period and no list of recipients.

Exhibit 12NoticeHarder than usual

Notwithstanding, we may disclose your personal data to third parties which have notestablished contractual relations with OPOFINANCE on the grounds of their authority andtheir official status
Clause 5. Disclosure of Personal Data in Privacy Policy
Downloaded from the broker's site on Open the reference

Buried at section 56 of 72 in the Privacy Policy, 78% of the way through.

The firm can be the other side of your trade, and you consented in advance

Dealing on own account is listed as a service, and clause 8.2 authorises the firm to act notwithstanding any conflict without prior reference to the client. Interest earned on client money is kept by the firm. The Conflicts of Interest Policy the agreement calls an integral part of it is not published.

Own account dealing1 clause flagged

Clause 7.1(f) lists dealing on own account among the services, clause 8.1 admits the firm may sell to or buy from the client as principal, and clause 8.2 has the client consent in advance to it acting notwithstanding any conflict, without prior reference to the client. The Conflicts of Interest Policy it cites is not published.

Why this matters

When you buy, the firm can be the seller, so your loss can be its gain. You agreed to that at signup, and the policy meant to explain how the conflict is managed is not on the site.

Exhibit 10WarningStandard wording

The Client consents to and authorizes OPO GROUP LLC. to deal with or for theClient in any manner which OPO GROUP LLC. considers appropriate, notwithstandingany conflict of interest or the existence of any material interest in a Transaction,without prior reference to the Client.
Clause 8.2 in Terms and Condition
Downloaded 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 identify conflicts, manage them and disclose them clearly where management is not enough. Here the disclosure sits inside the agreement and the policy it refers to is missing.

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

Five dollars a month starts after six months of not trading

The chain runs from day 90, when a balance of 1 USD or less can be taken and given to charity, through six months, when the 5 USD monthly fee starts and the account can be closed, to six years, when untraceable money can be released from the segregated account. The fee is not charged on a zero balance.

In plain words

Dormancy means an account left unused.

Dormancy1 clause flagged

Six consecutive months without trading makes an account dormant and attracts a handling fee of 5 USD a month, and the account can be closed. Separately, a balance of 1 USD or less on an account closed or inactive for 90 days can be deducted and given to charity at the firm's absolute discretion.

Why this matters

Stop trading for half a year and a 500 dollar balance loses 5 dollars every month while it sits there, with no requirement to warn you first. Small leftovers can be taken outright.

Exhibit 6WarningStandard wording$5

OPO GROUP LLC., under the terms and conditions of this Agreement and inaccordance with its internal policies and procedures, reserves the right in its absolutediscretion, to create a dormant accounts policy and/or to impose on any dormantand/or inactive account a handling fee of $5 or equivalent per month and/or close thetrading account upon and/or after the period of six 6 consecutive months of inactivityin the following cases:
Clause 27.13 in Terms and Condition
Downloaded from the broker's site on Open the reference

What it costsA 500 dollar balance left untouched for six months and then charged 5 dollars a month is down to 440 dollars a year later.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 90A balance of 1 USD or less on a closed or inactive account can be deducted and used for charity.6.11
Six consecutive monthsThe account is deemed dormant, a 5 USD monthly handling fee can be imposed and the account can be closed.27.13
Zero balanceNo monthly fee is charged, but the account can still be closed after six months of inactivity.27.13(d)
Six yearsIf the client cannot be traced, remaining money can be released from the segregated account.6.10

Four regulators on the website, a Saint Vincent company on the contract

The contract is with Opo group LLC, registration 866LLC2021, under Saint Vincent law, and names none of the regulators the site advertises for its sister companies. It also binds clients to nine policies, from the Terms of Business to the Complaints Management Policy, while the Agreements page publishes four documents.

Who you contract with2 clauses flagged

The contract binds the client to the Risk Disclosure, Privacy Policy, Refund Policy, AML Policy and Withdrawal Conditions as Operative Agreements, and elsewhere to the Terms of Business, Complaints Management Policy, Safeguarding of Clients Assets Policy, Customer Categorization and Conflicts of Interest Policy. The Agreements page publishes four documents.

Why this matters

You agreed to rules you cannot read. The complaints procedure, the rules governing how orders are executed and the policy on safeguarding your money are all called binding and none is on the site.

Exhibit 15WarningHarder than usual

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
Clause Preamble in Terms and Condition
Downloaded from the broker's site on Open the reference

Buried at section 52 of 71 in the Terms and Condition, 73% of the way through.

The Our Regulations page presents FSCA, the Seychelles FSA, the Financial Commission and ASIC, then invites the reader to trust a regulated experience. The contract is with Opo group LLC of Saint Vincent, registration 866LLC2021, under Saint Vincent law, and names none of them.

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.

Why this matters

The badge on the page belongs to a sister company. Your account sits with the Saint Vincent entity, and the contract names no compensation scheme and no ombudsman anywhere in it.

Exhibit 14NoticeStandard wording

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.
Clause Preamble in Terms and Condition
Downloaded 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 tell a retail client which entity they contract with and which compensation scheme covers them. This contract identifies the Saint Vincent entity and names no scheme.

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

Disputes go to Saint Vincent, and you waived the inconvenience argument

Clause 28 chooses Saint Vincent law and the exclusive jurisdiction of its courts, and has the client agree not to argue the forum is inconvenient. That is ordinary for an offshore broker. Less ordinary is the leftover wording pointing at the authorities and legislation of Cyprus in the same document.

Where you sue1 clause flagged

Clause 28 puts the agreement under Saint Vincent and the Grenadines law, gives its courts exclusive jurisdiction and has the client waive any argument that the forum is inconvenient. Two other clauses still refer to the authorities and legislation of the Republic of Cyprus.

Why this matters

Suing an offshore company in Kingstown is not realistic over a few hundred dollars, and you have signed away the argument that the venue is impractical. The stray Cyprus wording shows the document was adapted from another firm's contract.

Exhibit 13NoticeStandard wording

Agrees not to claim that such proceedings have been brought in an inconvenientforum or that such court does not have jurisdiction over the Client.
Clause 28.2(c) in Terms and Condition
Downloaded 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 page promises withdrawals with no deductions while the contract debits every payment charge to the account.

Said in public, in English

Enjoy fee-free withdrawals with no hidden charges or deductions

Withdraw tab banner on the Deposit and Withdraw page

In the contract · clause 15.6

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

02

The banner says no fee applies to deposits and the table below it charges 2.5% on card.

Said in public, in English

No Opofinance Fee Applied

Deposit tab banner on the Deposit and Withdraw page

In the contract · clause Deposit Methods table, Visa Master card row

2.5% ($1 min)

03

The same USDT withdrawal costs a percentage on the Farsi page and a flat dollar range on the English one.

Said in public, in Persian

0.15%

We do not have a word-for-word translation of this line yet. The summary above says in English what it promises.

Farsi withdrawal fee table, USDT (TRC20) row

In the contract · clause Withdraw Table, USDT (TRC20) row

3-6$

04

An Australian licence is used as reassurance on a site whose contract refuses to onboard Australian residents.

Said in public, in English

OPO FINANCE PTY LTD is regulated by the Australian Securities and Investments Commission (ASIC).

ASIC section of the Our Regulations page

In the contract · clause 5.9

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

05

No hidden commissions is promised on an account page whose contract lets the firm change commissions without telling the client.

Said in public, in English

Enjoy a trading environment free of hidden commissions.

Transparent and Fair Trading block on the Standard account page

In the contract · clause 9.2

OPO GROUP LLC. may vary commissions, charges, and other costs from time totime without prior Written Notice to the Client.

What changed quietly

The legal text did not change. What changed since April 2026 is the footer: the sentence naming the entity that onboards cTrader and TradingView clients widened from OPO GROUP LTD alone to OPO GROUP LTD and OPO FINANCE PTY LTD, the ASIC licensed Australian company, and age and cardholder statements were added. The privacy policy body is word for word what it was on 2 February 2026, and the Agreements page still lists the same four documents as on 11 April 2026.

  • REWRITTENClause Footer, entity disclosure · 2026-04-11 to 2026-08-17

    The ASIC licensed Australian company was added to the sentence naming who onboards platform clients, while the contract still refuses Australian residents.

    Clients onboarded under OPO GROUP LTD and OPO FINANCE PTY LTD. are provided with access to trading services via cTrader and TradingView platforms.

  • ADDEDClause Footer, entity disclosure · 2026-02-11 to 2026-08-17

    In February 2026 the footer said nothing about which entity onboards platform clients, and now it names two.

    Clients onboarded under OPO GROUP LTD and OPO FINANCE PTY LTD. are provided with access to trading services via cTrader and TradingView platforms.

  • ADDEDClause Footer, age disclaimer · 2026-04-11 to 2026-08-17

    An age statement and a cardholder record keeping statement were added to the footer, the kind of wording a card acquirer asks for.

    Age Disclaimer: The services and products offered on this website are intended only for persons aged 18 years or over, or persons who have reached the legal age required to enter into financial agreements under the laws of their country of residence.

The documents this reading is based on

13 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 .

Documents
13downloaded from the broker's site
Pages opened
44pages 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
2clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

Opo group LLC

The contract names Opo group LLC, Suite 305, Griffith Corporate Centre, Kingstown, Saint Vincent and the Grenadines, registration 866LLC2021, and clause 28.1 puts the relationship under Saint Vincent law. Every regulator on the Our Regulations page belongs to a different company: FSCA and ASIC to Opo Finance Pty Ltd, Seychelles FSA licence SD124 to Opo Group Ltd. The privacy policy is written in the name of OPO GROUP LTD and asks clients to email OPO GROUP LCC. A retail client who deposits gets the Saint Vincent entity, which none of those regulators supervises.

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

Negative balance protection is written in twice, at clauses 15.8 and 16.6, and the second says the firm will not pursue a retail client for a negative balance unless illicit methods created it. The dormancy fee is capped at 5 USD a month and is not charged on a zero balance. The leverage adjustment policy publishes real times and caps instead of a vague right to change things. The main contract is an HTML page, searchable and linkable, which is more than most offshore brokers manage.

The Client Agreement, Refund Policy and Risk Disclosure linked from the Agreements page are image only PDFs on the Webflow asset host with no text layer, so nothing is quoted from them and it cannot be confirmed that the PDF contract matches the HTML one. No archived copy of the Terms and Conditions page exists in this corpus, so the contract itself could not be compared with an earlier revision. The archived cTrader ECN page returned HTTP 503. The client portal behind login was not accessed. Of six site languages only Farsi was compared with English. The Terms page text was truncated in the corpus, so no burial depth is reported for clauses quoted from it.

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 Aug 17, 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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