Wikilix
Contract reading

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

Every clause below is published by RRFX 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 RRFX Investasi Berjangka

sole discretionburied termsdeemed acceptanceunilateral amendmentcall recordingcompetitioncomplaintsconflict of interestcounterpartydata collection

RRFX publishes three legal documents and no client agreement. The contract exists, in a pop-up on the signup form. It says every payment you make is non-refundable unless RRFX agrees, and it excludes liability when the platform fails. Marketing promises negative balance protection, withdrawals in 24 working hours and no slippage, and none of the three is in the contract.

Back to RRFX

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.
3
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
13
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
8
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
5

How the 13 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.

Critical3
Warning6
Notice4

section 25 of 27is where the deepest clause sits, 93% 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 3 figures comes from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical400In the contract. Jump to the clause this comes from.Negative balance protection appears only in marketing7 daysFee you were not shown. Jump to the clause this comes from.Fees are charged at rates RRFX never publishes22Document deadline. Jump to the clause this comes from.Bank details, tax number, location and recorded calls

What the documents say

13 clauses worth knowing about, worst first, each quoted from RRFX's own files

01

You pay money in, and RRFX's terms say it does not have to come back. Clause 6.2 makes every payment non-refundable unless RRFX itself decides otherwise.

Why this matters

Nothing RRFX publishes tells you when a withdrawal must be paid, what it costs, or on what grounds it can be refused. If RRFX says no, the contract gives you no deadline to point at.

Exhibit 1CriticalRarely seen

Semua pembayaran yang dilakukan tidak dapat dikembalikan kecuali ditentukan lain oleh Perusahaan.
Clause 6.2 in Syarat dan Ketentuan
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), ASIC (Australia)

Firms licensed by the FCA or ASIC hold retail client money in trust and must pay it out on a valid instruction. This contract says every payment is non-refundable unless RRFX determines otherwise.

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

Our readingNon-refundable payment clauses belong to subscription services. Pointed at money paid into a trading account, this one leaves RRFX, not you, deciding whether your balance comes back.

  • Worse together with Exhibit 3The clause that makes your money non-refundable sits in a document RRFX can rewrite at any time.
  • Limited by Exhibit 6The complaint page gives BAPPEBTI's complaint portal, which is a route outside RRFX if a payout is refused.
02

RRFX tells you on its About page that your risk is limited to the money in your account. The terms you accept at signup contain no such protection. Negative balance protection means a loss past zero is written off, and this contract never mentions it.

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

A loss bigger than your balance has nothing in the contract to stop it becoming a debt. The protection you were shown sits on a marketing page, and a marketing page is not the contract.

Exhibit 2CriticalHarder than usual400

Perusahaan tidak bertanggung jawab atas kerugian yang timbul dari keputusan investasi yang dibuat oleh Pengguna.
Clause 7.3 in Syarat dan Ketentuan
Read from the broker's site on Open the reference

What it costsThe account table sets the first deposit at $100 and leverage at 1:400. That is control of $40,000 of currency on $100 of your own money.

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

Firms licensed by the FCA must cap a retail client's loss on a leveraged trade at the money in the account, and the ESMA rules require the same across Europe. RRFX promises this on a marketing page and not in its terms.

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

  • Worse together with Exhibit 5No clause caps your loss at the account balance, and no clause gives you a claim when the platform itself fails.
03

If the platform goes down, or fills your order at the wrong price, RRFX's terms say it is not liable for your loss. Clause 8.1 covers direct loss as well as indirect. Clause 8.2 gives no promise that the platform will work without errors.

Why this matters

RRFX advertises execution at the price you see. The contract behind it gives you no claim when the price you get is worse. It gives you none when you cannot trade at all.

Exhibit 5CriticalHarder than usual

Perusahaan tidak bertanggung jawab atas kerugian langsung, tidak langsung, insidental, khusus, atau konsekuensial yang timbul dari penggunaan atau ketidakmampuan untuk menggunakan Produk.
Clause 8.1 in Syarat dan Ketentuan
Read from the broker's site on Open the reference
Our own capture of rrfx.co.id, taken on Oct 15, 2026The claim, on No Slippage commitment on the Indonesian About Us pageThis 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
04

You tick a box saying you have read the Terms and Conditions. The link beside it opens a window, not a page. Clause 10.1 lets RRFX change those terms whenever it likes, and clause 10.2 makes a change effective the moment it is posted.

Why this matters

You cannot go back and check what you agreed to, because the document is not published on either RRFX website. Clause 5.1 also lets RRFX change or stop the service with no notice.

Exhibit 3WarningHarder than usual

Saya telah membaca dan menyetujui Syarat dan Ketentuan serta Kebijakan Privasi
Quoted in Syarat dan Ketentuan
Read from the broker's site on Open the reference
Our own capture of app.rrfx.co.id, taken on Oct 15, 2026RRFX can rewrite terms it does not publishVisit this page on the broker's siteDownload the full size image file
05

You agree to pay every fee tied to the service at whatever tariff is in force, under clause 6.1. The contract contains no tariff. Swap is the overnight charge for holding a position, and the account table gives you 7 free days of it, then goes quiet.

Why this matters

A fee you never saw can come out of your balance, and the contract says you agreed to it. On day 8 of an open position you are paying a rate nobody published.

Exhibit 4WarningHarder than usual7 days

Pengguna setuju untuk membayar semua biaya yang terkait dengan penggunaan Produk sesuai dengan tarif yang berlaku.
Clause 6.1 in Syarat dan Ketentuan
Read from the broker's site on Open the reference
Our own capture of rrfx.co.id, taken on Oct 15, 2026The claim, on Prime tier spread in the account table on the Indonesian home pageVisit this page on the broker's siteDownload the full size image file
Our own capture of rrfx.co.id, taken on Oct 15, 2026What the contract says, clause Perbandingan Akun, PrimeVisit this page on the broker's siteDownload the full size image file

What it costsCommission on the Elite account is $25 a lot. Ten lots cost $250 in commission before any spread.

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

Firms licensed by the FCA or CySEC must give a retail client the costs and charges of a trade before the client trades. This contract takes the client's agreement to pay first and leaves the rate to be set later.

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

  • Worse together with Exhibit 1RRFX can charge an unpublished rate against a balance its own terms call non-refundable.

RRFX can cancel a transaction it decides was invalid

Clause 5.4 of the RRFX terms lets it refuse or cancel any transaction it treats as invalid or unlawful. The contract sets no test, no notice and no appeal. The only place RRFX spells out what it counts as improper trading is its competition rules, which name arbitrage and automated systems.

Trades undone1 clause flagged

A trade of yours can be refused or cancelled after the event, under clause 5.4, whenever RRFX treats it as invalid or unlawful. The contract does not say who decides, what the test is, or how you appeal.

Why this matters

A profitable trade can be undone, and the money with it, on a judgment the contract never defines. The clause reaches only transactions RRFX treats as invalid or unlawful, and RRFX is the one applying that label.

Exhibit 7WarningHarder than usual

Perusahaan berhak untuk menolak atau membatalkan transaksi yang dianggap tidak sah atau melanggar hukum.
Clause 5.4 in Syarat dan Ketentuan
Read from the broker's site on Open the reference

RRFX answers for nothing, on a clock it never sets

Clause 8.1 of the RRFX terms excludes liability for direct and indirect loss from using the platform, and clause 8.2 promises nothing about it working. Complaints reach RRFX only in person, by registered letter, email or phone. No published rule says when RRFX has to reply.

When it goes wrong1 clause flagged

To complain you have to walk into an RRFX office, send a registered letter, email, or phone. Sending someone in your place needs an original stamped power of attorney and copies of both identity cards.

Why this matters

No published rule says when RRFX must reply, or what happens if it never does. The contract only promises that complaints are handled promptly and efficiently, which sets no clock you can count.

Exhibit 6WarningHarder than usual

Pengaduan Nasabah hanya dapat dilakukan baik datang langsung maupun melalui Surat Tercatat Email dan telepon ke kantor PT. RRFX Investasi Berjangka.
Quoted in PENGADUAN
Read from the broker's site on Open the reference

Buried at section 17 of 27 in the PENGADUAN, 63% of the way through.

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

Firms licensed by the FCA or CySEC must acknowledge a complaint quickly, answer it inside a set number of weeks, and point the client to an independent ombudsman. RRFX names BAPPEBTI's complaint portal and sets no time limit on itself.

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

RRFX takes your bank and tax numbers and sets no limit on keeping them

The RRFX privacy policy covers bank account numbers, tax numbers, location, device identifiers and recordings of your phone calls. It sets no retention period and no deadline for answering a deletion request. Its list of who the data goes to does not mention advertising partners.

Data demands1 clause flagged

The privacy policy lets RRFX collect your bank account number, date of birth, tax number and location, and record your phone calls. Nothing in it says how long any of that is kept.

Why this matters

RRFX lists three situations in which it passes your data on, and advertising is not one of them. Its own cookie notice asks you to let 22 advertising partners use data including your IP address.

Exhibit 9WarningHarder than usual22

Kami juga dapat mengumpulkan informasi sensitif tertentu dari Anda, termasuk nomor rekening bank, tanggal lahir, nomor identifikasi pajak, alasan pembayaran, dan lokasi geografis,informasi rekening bank
Clause 2 in Kebijakan Privasi
Read from the broker's site on Open the reference

Where it sits: section 17 of 46 in the Kebijakan Privasi, 37% of the way through.

A market maker takes your trade, and a footer says so

RRFX discloses in the disclaimer at the foot of every page that it works with an Alternative Trading System Participating Market Maker. It publishes no conflict of interest policy. Its gold spread runs from 0.29 down to 0.05 by account tier, under three pricing labels no RRFX document defines.

Other side of the trade1 clause flagged

RRFX trades you against a market maker, and the only place it says so is the disclaimer at the bottom of every page. No conflict of interest policy is published. The contract defines a broker as the party that transacts for you, and never names who that is.

Why this matters

The firm quoting your price can profit when you lose, and nothing RRFX publishes explains how it handles that. The gold spread you get also depends on your account tier, under three pricing labels no RRFX document defines.

Exhibit 8WarningHarder than usual

PT RRFX Investasi Berjangka bekerjasama dengan Alternative Trading System Participating Market Maker dari Indonesia yang berada di bawah yurisdiksi BAPPEBTI.
Quoted in PENGADUAN
Read from the broker's site on Open the reference

Buried at section 25 of 27 in the PENGADUAN, 93% of the way through.

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

Firms licensed by the FCA or CySEC must keep a conflicts of interest policy, tell a retail client when the firm is on the other side of the trade, and set out how the conflict is managed. RRFX puts the fact in a page footer.

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

RRFX's Rp150 million contest runs on a rule it applies itself

The RRFX Trading Competition asks for no deposit and runs on $2,500 of demo money, which is better than most promotions. RRFX can disqualify an entrant for multiple accounts, arbitrage abuse, using an automated system, or trading it calls unusual. That last test is defined nowhere.

Prize rules1 clause flagged

The Rp150 million competition runs on demo money and needs no deposit, which counts in RRFX's favour. RRFX can disqualify you for multiple accounts, arbitrage abuse, using an automated trading system, or trading it calls unusual. That last test is defined nowhere.

Why this matters

A prize can be withdrawn for conduct RRFX labels unusual after you have traded. Entry is open only to people who have never been RRFX clients, and it ends with an account manager adding you to a WhatsApp group.

Exhibit 13NoticeStandard wording

Belum pernah menjadi Nasabah PT RRFX Investasi Berjangka.
Clause Syarat Pendaftaran in RRFX Trading Competition
Downloaded from the broker's site on Open the reference

RRFX can change the agreement without publishing it

Clause 10.2 of the RRFX terms makes a change effective the moment RRFX posts it. The document itself is on neither rrfx.co.id nor 18fx.co.id, only in a window on the signup form. The privacy policy works the same way, and using the service counts as consent.

Terms on the move1 clause flagged

Your consent is taken from the fact that you used the service, under clause 10 of the privacy policy. Clause 7 makes any change to that policy effective the moment RRFX publishes it, with no notice to you.

Why this matters

You are bound by a version of the policy you may never have seen. Watching for changes is left to you, and the policy says so.

Exhibit 10NoticeStandard wording

Kami dapat memperbarui Kebijakan Privasi ini dari waktu ke waktu. Perubahan akan berlaku segera setelah kami mempublikasikan Kebijakan Privasi yang telah diperbarui di situs web kami.
Clause 7 in Kebijakan Privasi
Read from the broker's site on Open the reference

Buried at section 35 of 46 in the Kebijakan Privasi, 76% of the way through.

Three legal documents, one of them a list of licences

RRFX publishes three legal documents: a complaint page, a licences page and a privacy policy. The contract is not among them, and there is no risk disclosure and no payment terms. The licences page named a different company, 18FX, as recently as May 2025.

Paper trail2 clauses flagged

RRFX publishes three legal documents on its website: a complaint page, a licences page and a privacy policy. There is no risk disclosure, no payment terms and no conflict of interest policy. The footer links two of the three.

Why this matters

Before you deposit, nothing on the site tells you how a withdrawal works or what happens to your money if RRFX closes your account. In May 2025 the same site told clients to read the terms and the risk disclosure first. Neither is on it.

Exhibit 11NoticeHarder than usual3

Sebelum Anda melakukan transaksi, harap membaca dengan seksama syarat dan ketentuan serta Penyingkapan Risiko untuk memahami sepenuhnya risiko yang terlibat dalam perdagangan ini.
Clause Peringatan Risiko in Legalitas Cari tahu tentang perizinan yang kami dapatkan
Read from the broker's site on Open the reference

In May 2025 this page said the business was 18FX, run by PT. Delapan Belas Berjangka. Today it says PT RRFX Investasi Berjangka, under the same business licence number, 192/BAPPEBTI/SI/II/2003. The permit numbered 1519/BAPPEBTI/SP/4/2007 that the page carried then is gone.

Why this matters

You contract with PT RRFX Investasi Berjangka, and the page setting out its permissions carried another company's name a year ago. The OJK and Bank Indonesia entries link to those regulators' home pages, while the BAPPEBTI entry links to its own record of the broker.

Exhibit 12NoticeStandard wordingNew

PT RRFX Investasi Berjangka (RRFX) beroperasi berdasarkan izin BAPPEBTI, terdaftar sebagai anggota Jakarta Future Exchange (JFX), anggota Kliring Berjangka Indonesia (KBI) dan diawasi oleh Otoritas Jasa Keuangan (OJK).
Clause Legalitas dan Regulasi in Legalitas Cari tahu tentang perizinan yang kami dapatkan
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

RRFX promises withdrawal inside 24 working hours, and the only clause about money coming back makes it non-refundable unless RRFX decides otherwise.

Said in public, in Indonesian

Kami memahami pentingnya likuiditas bagi trader. Proses penarikan dana diproses dengan cepat dalam waktu 24 jam kerja untuk memberikan fleksibilitas penuh atas dana dan profit Anda.

Word for word in English: We understand how important liquidity is for traders. Withdrawals are processed quickly, within 24 working hours, to give you full flexibility over your funds and profit.

Withdraw 24 Jam commitment on the Indonesian About Us page

In the contract · clause 6.2

Semua pembayaran yang dilakukan tidak dapat dikembalikan kecuali ditentukan lain oleh Perusahaan.

02

The About page limits your risk to the funds in your account, and the terms you accept contain no negative balance protection clause at all.

Said in public, in Indonesian

Kami memberikan perlindungan saldo negatif, memastikan risiko terbatas pada dana yang tersedia di akun Anda, memberikan keamanan ekstra saat terjadi volatilitas ekstrem.

Word for word in English: We provide negative balance protection, making sure risk is limited to the funds available in your account, giving extra security when extreme volatility happens.

Negative Balance Protection commitment on the Indonesian About Us page

In the contract · clause 7.3

Perusahaan tidak bertanggung jawab atas kerugian yang timbul dari keputusan investasi yang dibuat oleh Pengguna.

03

RRFX advertises no hidden fees while its terms bind the client to whatever tariff is in force, and no tariff appears in the contract.

Said in public, in Indonesian

Tidak ada biaya tersembunyi, spread dan komisi yang kompetitif.

Word for word in English: No hidden fees, competitive spreads and commission.

Harga Jelas, Tanpa Kejutan panel on the Indonesian home page

In the contract · clause 6.1

Pengguna setuju untuk membayar semua biaya yang terkait dengan penggunaan Produk sesuai dengan tarif yang berlaku.

04

The same Prime spread reads 0.8 on the home page and 8 on the account page, and neither page states the unit.

Said in public, in Indonesian

Mulai dari 0.8 (Forex), Mulai $29 Gold

Word for word in English: From 0.8 (Forex), from $29 Gold

Prime tier spread in the account table on the Indonesian home page

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

In the contract · clause Perbandingan Akun, Prime

Mulai dari 8 (Forex), 0.29 Gold (Fixed by Rules)

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

05

RRFX markets execution at the displayed price and its terms promise nothing about the platform working, with liability for the loss excluded.

Said in public, in Indonesian

Kami mengutamakan eksekusi harga yang presisi sehingga order diproses sesuai harga yang ditampilkan.

Word for word in English: We put precise price execution first, so orders are processed at the price displayed.

No Slippage commitment on the Indonesian About Us page

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

In the contract · clause 8.2

Perusahaan tidak menjamin bahwa Produk akan bebas dari kesalahan atau gangguan.

What changed quietly

This is our first reading of RRFX, so there is nothing to compare it against.

  • REWRITTENClause Legalitas dan Regulasi

    The licences page swapped 18FX for PT RRFX Investasi Berjangka and added OJK supervision.

    PT RRFX Investasi Berjangka (RRFX) beroperasi berdasarkan izin BAPPEBTI, terdaftar sebagai anggota Jakarta Future Exchange (JFX), anggota Kliring Berjangka Indonesia (KBI) dan diawasi oleh Otoritas Jasa Keuangan (OJK).

  • ADDEDClause Daftar Lengkap

    An OJK entry and a Bank Indonesia entry now sit beside the BAPPEBTI permit, and neither was on the page in May 2025.

    Berizin dan diawasi oleh OJK

  • REMOVEDClause Izin Usaha dan SPA

    The alternative trading system permit number listed in May 2025 no longer appears on the licences page.

  • REWRITTENClause Peringatan Risiko

    The warning that losses can exceed the margin you deposit was replaced with a line saying you can lose part or all of your funds.

    Nilai investasi dapat naik maupun turun secara signifikan, dan Anda bisa kehilangan sebagian atau seluruh dana Anda.

  • REMOVEDClause Peringatan Risiko

    The instruction to read the terms and the risk disclosure before trading is gone, and neither document is published on the site.

The documents this reading is based on

8 files, all published by RRFX. 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 RRFX publishes.

How this reading was done

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

This reading was published on .

Documents
7 of 8downloaded from the broker's site, and 7 read in full
Pages opened
81pages walked to find those documents, footer links included
Older copies
2earlier versions downloaded
Marketing pages
8public pages set against what the contract says
Position measured
4clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

PT RRFX Investasi Berjangka

A client contracts with PT RRFX Investasi Berjangka, of Soho Rodeo Drive, North Jakarta. Its own terms name it as the Company and extend to products under the PT18 brand. The same terms define a broker as the party that carries out transactions for the user, and never say who that is. 18fx.co.id now redirects to rrfx.co.id, and in May 2025 that domain's licences page named 18FX, PT. Delapan Belas Berjangka. The licences page lists BAPPEBTI, JFX, KBI, ICDX and ICH, plus entries for OJK and Bank Indonesia whose detail links point to those regulators' home pages. Whether each licence is current belongs to the RRFX scam report.

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

RRFX publishes a dated cost table, updated 22 April 2026. It gives commission per lot, spread per instrument and the minimum first deposit for each of four account tiers. It names eleven bank accounts for deposits and states that client money sits in a segregated account. The complaint page gives BAPPEBTI's complaint portal address, which is a route outside the firm, along with three office addresses and phone numbers. The licences page links its BAPPEBTI entry to that regulator's own record of the broker. The trading competition asks for no deposit and runs on demo money.

The Terms and Conditions are not published as a page on either RRFX website. We read them in the window that opens from the registration form at app.rrfx.co.id/signup. Every quotation credited to that document comes from there. The May 2025 copies of the licences and privacy pages carry only the site navigation, contact details and a risk warning. Neither holds any privacy policy text, so we could not compare that policy clause by clause. We read the competition page's entry rules, prizes and registration steps, not the whole page. We did not open an account, so any document RRFX gives a client after registering is outside this reading.

How to check any of this yourself

Every quote above links to the RRFX 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 RRFX 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 RRFX 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 15, 2026.

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

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