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Contract reading

What t4trade legally published, but does not want you to read

Every clause below is published by t4trade 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: Tradeco Limited

hidden feesole discretionprofit voidingdeemed acceptanceunilateral amendmentwithdrawalsdispute deadlinekyc freezeclient moneyconflict of interest

T4Trade's contract lets it keep 3% of your money if you deposit and withdraw without trading enough. You get four business days to challenge a trade before T4Trade's own record becomes binding. It can cancel your profits for conduct that includes not answering an email for 15 days. Your money may be held by third parties that do not follow the client money rules.

Back to t4trade

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.
6
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
19
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
19
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
4

How the 19 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical6
Warning12
Notice1

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.

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

Critical3%Fee you were not shown. Jump to the clause this comes from.A 3% charge for depositing then withdrawing without tradingCritical$50Fee on an unused account. Jump to the clause this comes from.A dormant account loses $50 a year, or all of itCritical4 working daysTime to complain. Jump to the clause this comes from.Four business days to challenge a trade, then it standsCritical15 daysProfit at risk. Jump to the clause this comes from.Profits cancelled for conduct that includes ignoring email

What the documents say

19 clauses worth knowing about, worst first, each quoted from t4trade's own files

01

Put money in, change your mind, and T4Trade can keep 3% of it. Clause 19.9 applies this charge when you deposit and withdraw without trading in between. T4Trade decides how much trading is enough.

Why this matters

A $1,000 deposit you decide not to trade can come back as $970. The agreement calls the test a normal trading threshold and never tells you what that threshold is.

Exhibit 1CriticalRarely seen3%

The Client further acknowledges and agrees that in cases where deposits and withdrawals are conducted on the Client account without any trading activity, the Company reserves the right to charge an administration fee of 3% of the deposited funds to cover any fees/transaction costs incurred by the Company.
Clause 19.9 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026A 3% charge for depositing then withdrawing without trading (clause 19.9)Visit this page on the broker's siteDownload the full size image file

What it costsDeposit $1,000, trade little or nothing, then ask for it back. The 3% charge is $30, so $970 returns to you.

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

Firms licensed by the FCA or CySEC must tell a retail client the costs and charges of a service before that client trades. This charge lives in clause 19.9, and T4Trade's account types page lists no fees at all.

t4trade is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

Our readingBrokers normally treat payment costs as a cost of doing business. Charging a percentage of your own money back to you for not trading enough, on a threshold the firm sets and does not publish, is unusual in a retail agreement.

  • Worse together with Exhibit 11The account types page advertises zero commissions while this charge sits in the contract behind it.
02

Leave your account alone for a year and T4Trade charges $50. If your balance is below $50, clause 19.8 lets T4Trade take the whole balance and archive the account.

Why this matters

A forgotten account holding $30 goes to zero. Nothing in the agreement makes T4Trade warn you before it takes the money.

Exhibit 2CriticalHarder than usual$50

The Client acknowledges and accepts that in the case of no activity, including funding or trading, within one year, the Company reserves the right to charge an annual fixed administrative fee of 50 USD (or currency equivalent). In case the account balance is below USD 50 (or currency equivalent), the Company will charge any remaining balance and archive the Client’s Account.
Clause 19.8 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026A dormant account loses $50 a year, or all of it (clause 19.8)Visit this page on the broker's siteDownload the full size image file

What it costsAn account left with $30 and no trading for a year loses all $30, because the balance cannot cover the $50 fee.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 90T4Trade archives an inactive account holding 1 cent or less and keeps what is left.17.9
After one yearA $50 annual administrative fee starts on an account with no funding and no trading.19.8
Balance below $50T4Trade takes the whole remaining balance and archives the account.19.8
Six yearsT4Trade stops treating the balance as your money, after writing to your last known address and allowing 28 days.17.8
03

You get four business days to object to a trade in writing. After that, clause 12.2 makes T4Trade's own confirmation conclusive and binding on you.

In plain words

A manifest error means an obvious mistake by the broker.

Why this matters

The clock starts on the date of the trade, not the day you notice the problem. Miss it and T4Trade will not investigate at all, under clause 12.3.

Exhibit 3CriticalHarder than usual4 working days

Any objection or enquiry that the Client has in relation to an executed Transaction shall be investigated by the Company only if it receives notice in writing within four (4) business days of the date of such Transaction.
Clause 12.3 in Client Services Agreement
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 accept and investigate a complaint, with no four day cut-off on the client's right to raise one. This agreement closes the door after four business days.

t4trade is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 12T4Trade's complaint policy walks you through an eight week process and never mentions that the four day clock has already run out.
04

T4Trade can cancel your profits when it believes in good faith that you took part in what clause 31.9 calls Abusive Behaviour. That list includes not replying to an email for 15 days.

Why this matters

T4Trade can also take the losses from one account out of a different account that was winning. The decision is its own and the clause gives you no appeal.

Exhibit 4CriticalRarely seen15 days

In case the Company in good faith has reason to believe that a Client (whether individually or as part of a group) has participated in Abusive Behaviour as defined below, then the Company is entitled at its sole discretion, to: (i) cancel any profits, as well as any Introducing Broker’s fees, generated from Abusive Behaviour, (ii) to offset any resulting losses against related/hedged winning accounts
Clause 31.9 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026Profits cancelled for conduct that includes ignoring email (clause 31.9)Visit this page on the broker's siteDownload the full size image file

Our readingSetting one account's losses against another account's winnings is a device from group lending. Aimed at retail balances it means another person's loss can come out of your money. Listing an unanswered email as abusive conduct is rarer still.

  • Worse together with Exhibit 19One clause cancels the profits, the other cancels the trades that made them, and both run on T4Trade's own belief.
05

T4Trade promises to keep your money in segregated client accounts, then reserves the right not to. Clause 17.5 lets T4Trade hold your money with a payment provider or third party that does not follow those client money rules.

Why this matters

If that third party fails, clause 17.7 says you have no claim to any specific sum, and T4Trade accepts no liability for the loss. Your money can also be pooled with other people's.

Exhibit 5CriticalHarder than usual

Without prejudice to Clause 17.3, the Client further understands and consents that the Company may hold Client Money with a payment provider or a third party that do not treat such Client Money in accordance with the abovementioned Client Money rules.
Clause 17.5 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026Client money may sit with firms that ignore the client money rules (clause 17.5)Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must hold retail client money with approved institutions under the client money rules, and cannot take a client's consent to drop that protection. This agreement takes exactly that consent.

t4trade is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

06

T4Trade quotes the price, then decides afterwards whether that price was wrong, and can change what you were filled at. Clause 7.13 covers price errors and spikes. Clause 34.1 reaches trades already confirmed and settled.

Why this matters

Clause 7.17 promises T4Trade will act fairly when it makes that call, then says your loss will not be taken into account. Its order execution policy names T4Trade as the only price source, so there is no outside benchmark to argue from.

Exhibit 6CriticalHarder than usual

The Client acknowledges that in the case of any communication or technical failure which results in the quotation of off- market prices on the quotes feed (i.e. price errors or anomalies, abnormal spreads, prices that freeze/stop updating or price spikes), the Company reserves the right not to execute an order or, in cases in which the order was executed, to change the opening and/or closing price of a particular order or to cancel the said executed order, and the Company will not be held liable for any losses incurred by the Client.
Clause 7.13 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026T4Trade can rewrite the price of a trade after it is done (clause 7.13)Visit this page on the broker's siteDownload the full size image file
  • Only applies after Exhibit 15T4Trade is the counterparty and the sole execution venue, so it judges its own price feed to be wrong.

The account types page and the agreement give different numbers

T4Trade's account types page offers Islamic account holders 30 calendar days of swap free trading on major pairs. Clause 7.24 of the agreement says swap free applies for 10 calendar days only. The same page promises zero commissions while clause 19.2 reserves the right to charge a commission, a mark-up, or both.

Page against contract2 clauses flagged

T4Trade's account types page tells Islamic account holders that swap free lasts 30 calendar days on major pairs. The agreement you sign says swap free applies for 10 calendar days only.

Why this matters

If you hold a major pair past day 10 on the strength of that page, the contract lets T4Trade charge you swap anyway. It can also reverse the profits you made while swap free was on.

Exhibit 10WarningHarder than usual10 days

The Client further acknowledges that swap free applies for 10 calendar days only. Therefore, swap free accounts holding a position open for more than 10 calendar days, will be credited or debited swap accordingly.
Clause 7.24 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026The claim, on Notes under the account comparison table on the English account types 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
Our own capture of t4trade.com, taken on Sep 11, 2026What the contract says, clause 7.24Visit this page on the broker's siteDownload the full size image file

T4Trade's account types page says its accounts have zero commissions. Clause 19.2 lets T4Trade charge a commission, a mark-up, or both together.

In plain words

Dormancy means an account left unused.

Why this matters

A mark-up is built into the price you are given, so it never shows on your statement as a fee. That same page carries no mention of the $50 dormancy fee or the 3% charge.

Exhibit 11WarningHarder than usual

The Company may charge a mark-up or mark-down (the difference between the price at which we take a principal position and the Transaction execution price with the Client). The Company may alternatively agree to charge a commission or a combination of commission and mark-up or mark-down.
Clause 19.2 in Client Services Agreement
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026The claim, on Which is the best account type section on the English account types pageVisit this page on the broker's siteDownload the full size image file
Our own capture of t4trade.com, taken on Sep 11, 2026What the contract says, clause 19.2Visit this page on the broker's siteDownload the full size image file

Four charges sit in the contract and none of them on the pricing page

T4Trade can take 3% of your money for depositing and withdrawing without trading enough, under clause 19.9. Clause 7.25 adds a 10% penalty charge capped at $200, clause 19.10 adds EUR 60 for a chargeback, and clause 7.23 lets swap rates rise above the levels published on the website. T4Trade's account types page lists no fees at all.

Cost disclosure3 clauses flagged

Trade in a way T4Trade treats as latency arbitrage and clause 7.25 lets it charge you 10% of your deposited funds, capped at $200. It can also cancel the trades and close your account without notice.

Why this matters

The charge lands on your deposit, not on the profit T4Trade objects to. T4Trade decides what counts as latency arbitrage, and the clause gives no test you can check yourself.

Exhibit 7WarningHarder than usual10%

If the Client acts in contravention of this clause the Company reserves the right to (i) make corrections or adjustments to the relevant Transaction execution prices to reflect what would have occurred had there been no price latency arbitrage; and/or (ii) cancel all the relevant Transactions; and/or (iii) terminate without notice the Client’s Account with the Company; and/or (iv) charge an administration fee equal to 10% of the deposited funds, with the maximum charge set at $200 or deposit currency equivalent.
Clause 7.25 in Client Services Agreement
Downloaded from the broker's site on Open the reference

What it costsOn a $1,000 deposit the 10% charge is $100. On a $5,000 deposit the $200 cap applies instead.

If your bank raises a chargeback on a deposit, T4Trade can charge you EUR 60 under clause 19.10. The clause applies whether the chargeback was intentional or not.

Why this matters

A card dispute your bank starts on its own still costs you EUR 60. You also stay liable for the disputed sum and for whatever the card processor charges on top.

Exhibit 8WarningHarder than usual$60

The client acknowledges that the company reserves the right to charge an administration fee in the amount of EUR 60 (or equivalent in other currency) in the instance where a chargeback is placed either intentionally or unintentionally for any deposit made in a Client’s Account.
Clause 19.10 in Client Services Agreement
Downloaded from the broker's site on Open the reference

Hold a position for 10 calendar days or more and clause 7.23 lets T4Trade charge you a swap rate higher than the one shown on its website. A swap is the daily cost of keeping a position open overnight.

Why this matters

The rate you checked before you traded is not the rate you are held to. T4Trade can also change swap rates without telling you first where it suspects abuse.

Exhibit 9WarningHarder than usual10 days

The Company reserves the right, as its discretion, to increase the Swap rate for any Client beyond the levels displayed on the Website, in the instance where the Client holds a position for a period of 10 calendar days or more, or in the instance where the client is overexposed, to reflect the increased cost of tier swap pricing when rolling positions.
Clause 7.23 in Client Services Agreement
Downloaded from the broker's site on Open the reference
  • Same clause as Exhibit 10The same 10 day mark also ends the swap free option T4Trade advertises to Islamic account holders.

The agreement sets no deadline for paying your money back

Clause 18.10 of the T4Trade agreement gives no withdrawal deadline and points to a period kept on the website instead. Clause 18.9 lets T4Trade set a minimum withdrawal amount at any time. Clause 18.11 lets T4Trade reverse a withdrawal and return the money to your trading account, minus bank charges, if it is not satisfied with a document you sent.

Getting paid1 clause flagged

The agreement sets no time limit for paying you. Clause 18.10 points to a period held on the website instead, and clause 18.9 lets T4Trade set a minimum withdrawal amount at any time.

Why this matters

If T4Trade is not satisfied with a document you send, clause 18.11 lets it reverse the withdrawal and put the money back in your trading account, minus the bank charges.

Exhibit 16WarningHarder than usual

Where applicable, if the Company is not satisfied with any documentation provided by the Client, then the Company will reverse the withdrawal transaction and deposit the amount back to the Client’s Account net of any charges / fees charged by the Client’s Bank Account providers.
Clause 18.11 in Client Services Agreement
Downloaded from the broker's site on Open the reference

T4Trade can cancel the profit, reprice the trade, or undo your whole history

Clause 31.9 lets T4Trade cancel your profits for what it calls Abusive Behaviour, a list that includes not answering an email for 15 days, and set the resulting losses against another winning account. Clause 7.13 and clause 34.1 let T4Trade change the price of a trade already confirmed and settled. Clause 30.4 reverses every trade you ever made.

Profit voiding1 clause flagged

T4Trade can end the agreement on the spot and reverse or cancel every trade you ever made. Clause 30.4 allows this where it has grounds to believe your trading affected the smooth operation of its platform.

Why this matters

The test is what T4Trade believes about its own platform, not what you did wrong. Your whole trading history, not just one trade, is what gets unwound.

Exhibit 19WarningHarder than usual

The Company may terminate this Agreement immediately without giving five (5) business days’ written notice, and the Company have the right to reverse and/or cancel all previous Transactions on a Client’s account, in the following cases:
Clause 30.4 in Client Services Agreement
Downloaded from the broker's site on Open the reference

T4Trade can change its charges without asking you

Clause 19.1 says T4Trade is entitled to change its charges unilaterally, with no consultation and no consent from you. Clause 31.7 lets T4Trade amend the whole agreement by posting it on its website. Clause 19.12 puts the duty on you to keep checking the website for new commission, cost and financing figures.

Changing the deal1 clause flagged

T4Trade can change what it charges you without asking you first. Clause 19.1 states that plainly, and clause 31.7 lets T4Trade change the whole agreement by posting it on its website.

Why this matters

Checking the fees before you deposit does not lock them in. If you dislike a change, your only route out is to close the account.

Exhibit 17WarningHarder than usual

The Client agrees that the Company is entitled to change its Charges unilaterally without any consultation or prior consent from the Client.
Clause 19.1 in Client Services Agreement
Downloaded from the broker's site on Open the reference

You have four business days to argue, and nobody above T4Trade to argue to

Clause 12.3 gives you four business days from the date of a trade to object in writing, after which T4Trade will not investigate. Its complaint handling policy describes a twelve week process and never mentions that deadline. The only step past T4Trade is the Seychelles regulator, and no ombudsman or compensation scheme is named anywhere.

Exit conditions1 clause flagged

T4Trade can take up to 12 weeks to give you a final answer. If you do not reply within 8 weeks of that answer, the policy treats your complaint as resolved and closes it.

Why this matters

There is no independent ombudsman to appeal to. The only step past T4Trade is the Seychelles regulator, which supervises the firm but does not order it to pay you back.

Exhibit 12WarningHarder than usual

When the complainant has received the final response he will have 8 weeks to respond. If no response has been received from the complainant indicating that he is still dissatisfied with the explanation then the Complaint will be considered as resolved;
Clause Procedure 5 in Complaint Handling Policy, p.3
Downloaded from the broker's site on Open the reference
Our own capture of shared.t4trade.com, taken on Sep 11, 2026The claim, on Procedure step 4 of the published complaint handling policyVisit this page on the broker's siteDownload the full size image file
Our own capture of t4trade.com, taken on Sep 11, 2026What the contract says, clause 12.3Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must point a client who is still unhappy to an independent ombudsman that can order redress. This policy points you to the Seychelles regulator, and names no compensation scheme.

t4trade is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
5 business daysT4Trade sends you a written acknowledgement of your complaint.Procedure 1
8 weeksT4Trade sends either its findings or a holding letter explaining the delay.Procedure 2
12 weeksT4Trade should give you its final answer.Procedure 4
8 weeks after the final answerYour silence closes the complaint and T4Trade records it as resolved.Procedure 5

Two agreements, two companies, two countries, both published by T4Trade

The agreement on t4trade.com names Tradeco Limited of Seychelles, company number 8422971-1, and sends disputes to the courts of Seychelles under clause 36. A second client services agreement, still on T4Trade's own file host, names T4T Limited of St Vincent and the Grenadines and points clients at a different domain. A privacy policy in the same folder does the same.

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.

Counterparty2 clauses flagged

The agreement on T4Trade's website names Tradeco Limited of Seychelles. A second client services agreement on T4Trade's own file host names T4T Limited of St Vincent and the Grenadines, and sends you to a different website.

Why this matters

The two documents put your money with two different companies in two different countries. If you download the wrong one, you cannot tell who owes you anything.

Exhibit 13WarningRarely seen

T4T Limited is a limited liability company incorporated and registered under the laws of Saint Vincent and the Grenadines, with Company number 26125 BC 2021 (hereinafter the “Company”). The Company will offer its services via the domain name www.t4trade.net.
Clause Opening paragraph in Client Services Agreement, p.2
Downloaded from the broker's site on Open the reference
Our own capture of t4trade.com, taken on Sep 11, 2026The claim, on Opening paragraph of the client services agreement published on the websiteVisit this page on the broker's siteDownload the full size image file
Our own capture of shared.t4trade.com, taken on Sep 11, 2026What the contract says, clause Opening paragraphVisit this page on the broker's siteDownload the full size image file

Our readingBrokers commonly leave an old version online. Leaving one that names a different company, in a different country, pointing at a different domain, is a different problem: nothing in either file tells you which one binds you.

Any dispute between you and T4Trade goes to the courts of Seychelles under Seychelles law, wherever you live. Clause 36 sets this and the agreement offers no alternative.

Why this matters

Suing in Seychelles means travel, local lawyers and local costs. For most claims that price is higher than the money at stake.

Exhibit 14NoticeStandard wording

This Agreement and all transactional relations between the Client and the Company are governed by the Seychelles Law and the competent court for the settlement of any dispute which may arise between them under or in relation to this Agreement shall be the Courts of Seychelles.
Clause 36 in Client Services Agreement
Downloaded from the broker's site on Open the reference

Seven years of your documents, forty days to get a copy

T4Trade keeps your passport, bank statements and income details for at least seven years after the relationship ends. Asking for a copy gives T4Trade 40 days to answer, and it may charge you a fee for the work. The agreement also allows your data to be sent to countries it accepts do not offer adequate protection.

Your data1 clause flagged

Ask T4Trade for a copy of the personal data it holds on you and it has 40 days to answer. It may also charge you a fee to cover the cost of finding and copying it.

Why this matters

T4Trade keeps your passport, bank statements and income details for at least seven years after you leave. It can also send your data to countries the agreement admits do not offer adequate protection.

Exhibit 18WarningHarder than usual40 days

We may charge a fee to cover the cost of verifying the application and locating, retrieving, reviewing and copying any material requested. We will acknowledge your request and respond to it within 40 days of receipt of your application and any applicable fee
Clause Access in Privacy Policy
Read from the broker's site on Open the reference

T4Trade trades against you, and its conflicts policy does not mention it

T4Trade's order execution policy states that it enters every transaction as principal and acts as the sole execution venue for all client orders. Its five page conflicts of interest policy lists the conflicts it looks for and never names that one. When you lose on a trade, the firm on the other side of it is T4Trade.

Counterparty risk1 clause flagged

T4Trade is the counterparty to all your trades and the only venue they execute on. Its conflicts of interest policy runs to five pages and never says so.

Why this matters

When you lose, your counterparty gains. The document written to tell you about conflicts leaves out the one that applies to every trade you place.

Exhibit 15WarningHarder than usual

The Company will enter into all transactions with the Client as principal (counterparty) and act as the sole execution venue for all Client orders.
Clause 9 in Order Execution Policy, p.6
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 offers Islamic account holders 30 days of swap free trading on major pairs, and the contract caps swap free at 10 days for everything.

Said in public, in English

Swap Free Option for Islamic Accounts applies for 30 calendar days for Major pairs and 10 calendar days for any other Instrument

Notes under the account comparison table on the English account types page

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

In the contract · clause 7.24

The Client further acknowledges that swap free applies for 10 calendar days only. Therefore, swap free accounts holding a position open for more than 10 calendar days, will be credited or debited swap accordingly.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

02

The page promises zero commissions while the agreement reserves the right to charge a commission, a mark-up, or both.

Said in public, in English

Our accounts have zero commissions and instant execution.

Which is the best account type section on the English account types page

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

In the contract · clause 19.2

The Company may alternatively agree to charge a commission or a combination of commission and mark-up or mark-down.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

03

The website agreement names a Seychelles company while a second client services agreement on T4Trade's own file host names a St Vincent company on a different domain.

Said in public, in English

T4Trade is a trade name of Tradeco Limited, a limited liability company incorporated and registered under the laws of Seychelles, with Company number 8422971-1 (hereinafter the “Company”).

Opening paragraph of the client services agreement published on the website

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

In the contract · clause Opening paragraph

T4T Limited is a limited liability company incorporated and registered under the laws of Saint Vincent and the Grenadines, with Company number 26125 BC 2021 (hereinafter the “Company”). The Company will offer its services via the domain name www.t4trade.net.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of shared.t4trade.com

04

The complaint policy sets out a twelve week process and never mentions the four business day cut-off in the agreement that ends most trade complaints first.

Said in public, in English

A final response should be provided to the Client within 12 weeks from the date he submitted his complaint;

Procedure step 4 of the published complaint handling policy

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of shared.t4trade.com

In the contract · clause 12.3

Any objection or enquiry that the Client has in relation to an executed Transaction shall be investigated by the Company only if it receives notice in writing within four (4) business days of the date of such Transaction.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of t4trade.com

What changed quietly

This is our first reading of T4Trade, so there is nothing to compare it against yet.

  • REMOVEDClause · 2025-07-17 to 2026-09-11

    T4Trade has dropped the notice telling UK visitors that the FCA Handbook protections do not apply, from every page we compared.

  • REWRITTENClause · 2025-07-17 to 2026-09-11

    Myanmar has been added to the list of countries T4Trade says it will not serve.

    T4Trade does not offer its services to residents of certain jurisdictions such as USA, Iran, Cuba, Sudan, Syria, North Korea and Myanmar.

  • REWRITTENClause · 2025-07-17 to 2026-09-11

    The Cyprus company handling payments has moved address, and its stated role has narrowed from services generally to payment services only.

    Damadah Holding Limited, with registered address of Spyrou Kyprianou, 68, Germasogeia, 4042 Limassol, Cyprus, facilitates payment services to Tradeco Limited.

  • REWRITTENClause · 2025-07-17 to 2026-09-11

    T4Trade now says it is licensed rather than authorised by the Seychelles regulator, with the licence number unchanged.

    Tradeco Limited is licensed and regulated by the Seychelles Financial Services Authority with licence number SD029.

The documents this reading is based on

19 files, all published by t4trade. 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 t4trade publishes.

How this reading was done

Every clause above was read out of a document t4trade publishes itself

This reading was published on .

Documents
12 of 19downloaded from the broker's site, and 12 read in full
Pages opened
35pages walked to find those documents, footer links included
Older copies
7earlier versions downloaded

Who the contract is with

Tradeco Limited

You contract with Tradeco Limited, a Seychelles company numbered 8422971-1, holding Seychelles FSA licence SD029 and trading as T4Trade. Damadah Holding Limited of Cyprus handles payments and is wholly owned by Tradeco Limited, under clause 17.2. T4Trade also still publishes a client services agreement and a privacy policy in the name of T4T Limited, a St Vincent and the Grenadines company. No compensation scheme is named in any document.

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

T4Trade gives negative balance protection on every trading account, and states it in clause 5.1 and again in the risk disclosure. Its order execution policy says plainly that T4Trade is the counterparty to your trades and the only venue they execute on. Most brokers leave that unsaid. Every legal document carries a version number and a date. The complaint policy names the regulator with its address and phone number, and the margin close-out levels are given as real numbers, 40% and 20%.

We read the current client services agreement from a stored copy of T4Trade's own page, not from the page as it stands today. Every clause we quote from it was checked against a second copy of the same agreement that T4Trade publishes as a PDF. The account types claims also come from a stored copy. One older copy of the cookie policy could not be opened, so we did not read it. T4Trade's cookie policy pages carry no policy text, only a settings heading. The agreement points to swap rates, spreads and withdrawal timings kept on the website. None of those numbers sit in a legal document, so we could not check them.

How to check any of this yourself

Every quote above links to the t4trade 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 t4trade 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 t4trade on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Sep 11, 2026.

If you represent t4trade 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 t4trade. Whether its licence is real and current is a separate check on the broker profile.

Back to the t4trade profile