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Contract reading

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

Every clause below is published by TEMPLER 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: Templer Holdings Management Limited

withdrawalsmarketing gapsole discretionbonus lockhidden feedeemed acceptanceforum waiverkyc freezelanguage arbitrageoffshore entity

TemplerFX does not publish the agreement your trading account runs on. Its FAQ says withdrawals are free, while its own table charges up to 3.5%. One page promises you cannot lose more than you deposit, and two others say you must send more money. Staff opinion alone can suspend any operation on your account.

Back to TEMPLER

Contract risk

Money at risk
8.5/10

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.
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.
22
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
6

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
Warning11
Notice2

section 27 of 28is where the deepest clause sits, 96% 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.

Critical1Account limit. Jump to the clause this comes from.One bonus per household, and related accounts get frozen3.5%Fee you were not shown. Jump to the clause this comes from.Withdrawal fees reach 3.5% while the FAQ says there are none$1000Withdrawal limit. Jump to the clause this comes from.Money must leave the way it came in, in $1,000 slices500Bonus requirement. Jump to the clause this comes from.A $100 bonus can need 500 lots traded before you withdraw

What the documents say

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

01

You tick one box at signup and get a website terms page. The agreement that governs your trading account, which TemplerFX calls the Public Offer Agreement, is not on the site. Its disclaimer says you may inspect it at the offices or ask for it by phone.

Why this matters

You are agreeing to withdrawal rules, profit rules and complaint deadlines you have never seen. The only route TemplerFX offers is a visit to its Kingstown office or a telephone call.

Exhibit 1CriticalHarder than usual

This Agreement does not replace or in any way amend any other agreement you have entered into with TEMPLERFX.
Clause Applicable Law and Jurisdication in Terms and Conditions
Read from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026The agreement your account runs on is not published (clause Applicable Law and Jurisdication)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 give a retail client their terms of business in a durable medium before providing any service. TemplerFX names its agreement in three of its own documents and publishes none of them.

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

  • Worse together with Exhibit 3The clause letting staff suspend an operation sits in a policy you can read, while the agreement that would say how to challenge it is the one you cannot.
02

The fast market policy promises an automated system keeps your balance from falling below your deposit. The disclaimer says the opposite: if losses run past what you put in, you have to find more capital. The segregated account agreement says it again.

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

Nothing tells you which page wins, and the agreement that would settle it is not published. If the disclaimer is right, one bad gap can leave you owing TemplerFX money.

Exhibit 2CriticalRarely seen

Templer employs an automated risk management system to ensure that a client’s balance does not fall below their initial deposit. This means clients cannot lose more than their initial investment.
Clause Risk Management in Fast market policy
Downloaded from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026The claim, on Fast market policy, Risk Management sectionVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), ESMA (EU)

Firms licensed by the FCA, and firms under ESMA's rules, must give retail clients negative balance protection on these products, so a client cannot lose more than the money in the account. TemplerFX promises this on one page and denies it on two others.

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

Our readingBrokers usually either offer negative balance protection or stay silent. Two live TemplerFX documents take the opposite position to a third, on the one protection that decides whether a loss can follow you home.

03

TemplerFX can suspend any operation on your account if its staff take the view it might be linked to money laundering. The AML policy sets no test, no notice and no time limit, and a withdrawal is an operation.

Why this matters

Your money can sit frozen on an opinion, with nobody named to appeal to. The same policy says TemplerFX has no right to tell you when it has reported your activity.

Exhibit 3CriticalHarder than usual

The company reserves the right to suspend any client's operation, which can be regarded as illegal or, may be related to money laundering in the opinion of the staff.
Clause AML Policy in AML policy
Downloaded from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026Staff opinion alone can suspend any operation on your account (clause AML Policy)Visit this page on the broker's siteDownload the full size image file

Where it sits: section 9 of 28 in the AML policy, 32% of the way through.

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

Firms licensed by the FCA or CySEC keep retail client money separate from their own and must return it on request, and they have to record the grounds for holding a payment. This policy makes the test the opinion of staff.

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

04

TemplerFX limits the welcome bonus to one per individual, household, IP address and device. Where it decides accounts are related, it can block all of them and hold back the withdrawals, and it calls that decision final and binding.

Why this matters

Two people in one home on one connection can look like one client. Your own deposit and your own profit sit inside an account TemplerFX can block over somebody else's $5 bonus.

Exhibit 5CriticalHarder than usual1

The $5 No Deposit Bonus is strictly limited to one (1) per individual, household, IP address, device, and/or trading environment.
Clause Terms and Conditions in $5 Welcome Forex Bonus
Read from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026One bonus per household, and related accounts get frozen (clause Terms and Conditions)Visit this page on the broker's siteDownload the full size image file
  • Worse together with Exhibit 7One shared connection makes the accounts related, and the profit rules then reach both of them at once.
05

The chargeback clause makes you repay the face amount of any card payment that gets reversed, and it lists a dispute about the quality of service as one of the triggers. Complaints go to one email address, with no deadline and no next step.

Why this matters

A card chargeback is the only independent remedy most offshore clients have. This clause turns using it into money you owe, and TemplerFX names no ombudsman anywhere.

Exhibit 6CriticalRarely seen

Customer shall pay the Bank the face amount of any card transaction processed by a Payment Gateway (PG) pursuant to this Agreement whenever any card transaction is reversed in accordance with the Rules or any applicable consumer protection statute (a “Chargeback”), including by way of example, but not limited to, the following:
Clause Chargeback in Terms and Conditions
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must run a written complaints procedure with fixed time limits and give retail clients free access to an independent ombudsman. TemplerFX gives one email address.

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

Our readingThe wording comes from a merchant acquiring agreement, where a shop repays its own bank. Aimed at a retail client, it converts a consumer protection right into a liability.

06

Taking your money out costs up to 3.5%, and 2% plus $5 on a card. The TemplerFX FAQ answers the fee question with a flat denial. Its own Charges page leaves the fee box empty beside card and e-wallet withdrawals.

Why this matters

You pay on the way out, not on the way in, and the page that lists charges does not show the number. Card and wallet deposits cost you nothing, so the exit is where the money goes.

Exhibit 4WarningHarder than usual3.5%

Templer FX does not charge anything for depositing and withdrawing funds.
Clause Question 5 in FAQ, Deposits&Withdrawals
Downloaded from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026Withdrawal fees reach 3.5% while the FAQ says there are none (clause Question 5)Visit this page on the broker's siteDownload the full size image file

What it costsA $10,000 card balance comes back in ten payments of $1,000, the most TemplerFX allows at a time. Each payment costs $25, so $250 stays behind.

  • Worse together with Exhibit 8The percentage comes off a withdrawal you are already forced to take back through the method you paid with, in $1,000 slices.

Bonus rules reach the profit as well as the bonus

TemplerFX can block bonus accounts and cancel the profits made on them where it decides trades ran in opposite directions. Anything the rules do not describe is left to the company's own decision, and a bonus can be cancelled at any time without notice, which also cancels the volume you traded to unlock it.

Profit at risk1 clause flagged

If TemplerFX decides trading across bonus accounts ran in opposite directions, it can block those accounts and cancel the profits made. Anything the rules do not cover is left to its own decision, and it can cancel a bonus at any time without telling you.

Why this matters

Profit you have already made can be taken back, and the rules give you no way to argue. You can also trade the full required volume and get nothing, if the bonus was cancelled first.

Exhibit 7CriticalHarder than usual

The Client acknowledges that such accounts will be blocked, and bonuses and profits from the reverse trading will be cancelled.
Clause Promotion rules in Up to 100% Deposit Bonus
Read from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026Bonus rules let TemplerFX cancel profits and block accounts (clause Promotion rules)Visit this page on the broker's siteDownload the full size image file

TemplerFX answers the same question two ways

One TemplerFX page says an automated system stops your balance falling below your deposit, and two others say you must send more capital when losses pass it. The Chinese home page translates the promise of a non dealing desk and leaves the sentence naming TemplerFX as your counterparty in English.

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.

Two answers1 clause flagged

The Chinese home page translates the promise that TemplerFX runs a non dealing desk for the good of both sides. The sentence saying the company is the counterparty to its clients sits in the same paragraph, left in English.

Why this matters

If you read only Chinese, the reassuring half of that paragraph is in your language and the half that matters is not. The Russian page translates the same sentence in full.

Exhibit 10WarningRarely seen

The company operates as institutional and retail ECN counterparty to clients trading in the foreign exchange ("Forex") marke.
Clause 关于 TemplerFX 外汇经纪商 in TemplerFX home page (Chinese)
Downloaded from the broker's site on Open the reference

Our readingThe mechanism is a translated page with one sentence left in the source language. The sentence left behind is the one naming the firm as the counterparty to your trade.

The fees are on one page and denied on another

TemplerFX charges up to 3.5% to take money out, and 2% plus $5 on a card, while its FAQ says it does not charge anything for depositing or withdrawing. The Charges page leaves the fee box empty beside card and e-wallet withdrawals, and charges $60 for a printed statement. The swap free Muslim FX account adds $5 for every lot traded.

Cost disclosure1 clause flagged

The Muslim FX account carries a $5 transaction fee for every lot you trade, and a spread of 1.0 where the standard account shows 0.10. The home page tells every reader that TemplerFX offers tight spreads to all clients.

Why this matters

The account built for clients who cannot take interest is the expensive one, and nothing outside the account table says so. Ten lots cost you $50 before the wider spread is counted.

Exhibit 16WarningHarder than usual$5

Transaction fee: $5/lot
Clause Muslim FX in Account types
Downloaded from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026What the contract says, clause Muslim FXVisit this page on the broker's siteDownload the full size image file

What it costsTen lots traded on the Muslim FX account cost $50 in transaction fees. The same ten lots on the Universal FX account cost nothing.

Getting money out runs through rules getting it in never mentions

TemplerFX can suspend any operation on your account when its staff take the view it might involve money laundering, with no test, no notice and no deadline. Its AML policy then makes you leave by the door you came in, up to the amount you sent that way, and a card pays out only $1,000 at a time against a $10,000 deposit limit. The €50,000 segregated account holds 70% as credit that cannot be withdrawn at all.

Exit conditions2 clauses flagged

The AML policy makes you withdraw by the method you deposited with, up to the amount you sent that way. Where several methods paid in, TemplerFX splits the withdrawal across them in proportion. A card takes only $1,000 at a time.

Why this matters

A $10,000 card deposit arrives as one instant payment and comes back as ten, each with its own fee and its own wait of up to five business days.

Exhibit 8WarningHarder than usual$1000

Withdrawing funds from the trading account via the method, which is different from the depositing method, is possible solely after withdrawing the sum, which is equal to the sum of client's deposits via the method and to the same account used for depositing.
Clause Deposit and Withdrawal Requirements in AML policy
Downloaded from the broker's site on Open the reference

Buried at section 27 of 28 in the AML policy, 96% of the way through.

TemplerFX sells a segregated account at €50,000 and says it guarantees your funds like a bank account. You send 30%, and TemplerFX credits the other 70% as an interest free loan that cannot be withdrawn. Asking to withdraw your profit ends the arrangement.

Why this matters

Most of the balance you see is not your money and never becomes yours. The same agreement tells you to send more when losses pass what you actually deposited.

Exhibit 11WarningRarely seen70%

The system of segregated accounts by TemplerFX Company provides full protection to its clients and guarantees funds safety which is as high as on your bank’s account.
Clause Segregated Accounts in Segregated Accounts, with the Supplementary Agreement to the Public Offer Agreement
Read from the broker's site on Open the reference
Our own capture of templerfx.com, taken on Aug 30, 2026The claim, on Segregated Accounts page, opening descriptionVisit this page on the broker's siteDownload the full size image file
Our own capture of templerfx.com, taken on Aug 30, 2026What the contract says, clause Supplementary Agreement, restrictionsVisit 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 hold every retail client's money separately from their own as a matter of course and at no charge. TemplerFX sells segregation as a service starting at €50,000.

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

Our readingSegregation normally means the firm keeps client money in a separate bank account, for every client, at no charge. Here it is a product with an entry price, and most of the protected balance is a loan from the firm.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Bank statement over €50,000You email a scanned bank statement showing more than €50,000 before anything starts.3.A
Within two weeks of preliminary approvalYou deposit 30% of the initial deposit.Supplementary Agreement, paragraph 4
Same dayTemplerFX credits your 30% and adds 70% as interest free credit.Supplementary Agreement, paragraph 5
Day 30If the paper bank statement has not arrived, TemplerFX can cancel the service.Supplementary Agreement, paragraph 5
Withdrawal of profitAsking to withdraw funds with profit counts as terminating the agreement.Supplementary Agreement, restrictions

Bonus money is credit until you trade an unreachable volume

A $100 TemplerFX bonus on a Synthetic account needs 500 standard lots traded before anything can be withdrawn, and 25 lots on an FX account. Any withdrawal of your own funds cancels the bonus, trades moving less than 3 pips do not count, and unused bonus expires after six months. The page called Risk Free with TemplerFX is a closed 2024 campaign capped at $10.

Locked credit2 clauses flagged

Bonus money sits in a locked credit column until you trade a set volume. In TemplerFX's own example, a $100 bonus on a Synthetic account needs 500 standard lots. Any withdrawal before that cancels the bonus.

Why this matters

You cannot take out your own deposit either without killing the bonus. Trades that move less than 3 pips do not count toward the target at all.

Exhibit 12WarningHarder than usual500

For example. If you deposit $ 100 into your FX account, then receive a $ 100 bonus , you will need to trade 25 lots volume ( 100/4) . For a Synthetic account the required volume would be 500 lots ( 100*5).
Clause Promotion rules in Up to 100% Deposit Bonus
Read from the broker's site on Open the reference

What it costsThe same $100 bonus on an FX account needs 25 lots. On a Synthetic account it needs 500, twenty times as much trading for the same money.

The menu item called Risk Free with TemplerFX opens a promotion that closed on 1 March 2024. It refunded net losses to a maximum of $10 per account, paid as trading credit, and only to accounts that had never withdrawn.

Why this matters

A heading that sounds like protection is a closed offer worth $10. It still sits in the legal menu on every page of the site more than two years later.

Exhibit 13WarningHarder than usual$10

The compensation amount will be limited to a maximum of $10 per eligible trading account.
Clause Loss Compensation in Risk Free with TemplerFX
Read from the broker's site on Open the reference

One bonus per household, and terms that move without notice

TemplerFX allows one welcome bonus per individual, household, IP address and device, and where it decides accounts are related it can block them all and hold back withdrawals on a decision it calls final and binding. Its leverage runs to 1:2000 and falls as your balance grows, and its terms page reserves the right to change the rules at any point without notice.

Account control1 clause flagged

TemplerFX offers leverage up to 1:2000, which lets $1 control $2,000 of currency, and the cap falls as your balance grows. Its terms page says TemplerFX can change the rules at any point without prior notice, and that carrying on using the site is your acceptance.

Why this matters

High leverage means a small move against you can close your positions. Checking the legal pages for edits becomes your job, because nothing is sent to you.

Exhibit 15WarningHarder than usual2000

You can use any amount of leverage, ranging from 1:1 to 1:2000 when trading on the forex market through TemplerFX.
Clause Margin and Leverage in Margin and Leverage
Downloaded from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), ESMA (EU), ASIC (Australia)

Firms licensed by the FCA, ASIC, or under ESMA's rules cap retail leverage on major currency pairs at 30 to 1. TemplerFX offers up to 2000 to 1 on balances under $1,000.

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

Every route to challenge TemplerFX ends at one email address

TemplerFX handles complaints through a single support email, with no deadline, no procedure and no ombudsman named. Its chargeback clause makes you repay the face amount of any reversed card payment, and it lists a dispute about the quality of service among the triggers. The risk disclosure separately excludes responsibility for earned funds you do not receive in full.

Complaint routes1 clause flagged

The risk disclosure says TemplerFX is not responsible if you do not receive your earned funds in full when force majeure strikes. Its list of force majeure includes illegal acts by third parties and decisions of state bodies.

Why this matters

A seized payment processor or a bank that blocks a transfer falls inside that list. The clause sits in a risk warning, not in anything headed withdrawals.

Exhibit 17WarningHarder than usual

The company is not responsible for losses or receiving earned funds that are not in full volume, in case any force majeure circumstances occur, namely nature disasters, extraordinary weather conditions, threat of war, act of terrorism, revolution, illegal actions of third parties, massive unrest, riot, decisions of state bodies etc.
Clause Force Majeure Circumstances in Risk Disclosure
Read from the broker's site on Open the reference

Where it sits: section 12 of 29 in the Risk Disclosure, 41% of the way through.

Verification costs money before it lets you withdraw

TemplerFX asks for a notarised English translation of any identity document not written in Latin script, which lands on the Chinese and Russian readers it recruits. Its terms say anything you send the site becomes company property and can be passed to any authority it chooses, and the segregated account form asks you to email your trading password.

Verification cost1 clause flagged

TemplerFX asks clients whose papers are not in Latin script for a notarised English translation, and it markets in Chinese and Russian. The segregated account form has a line for your trading password and is sent by email.

Why this matters

You pay a notary before you can be verified, and verification stands between you and your money. Your trading password should never leave you, and an emailed form is no place for it.

Exhibit 14WarningHarder than usual

in case the documents are written in non-Latin characters: to avoid any delays in the verification process, it is necessary to provide a notarized translation of the document in English
Clause Individual Clients in AML policy
Downloaded from the broker's site on Open the reference

TemplerFX describes itself as your counterparty in its own documents

The TemplerFX disclaimer says every transaction is executed by the firm as a commission agent, on its own behalf for the client's account, and that other firms pay it fees for the business it places, in amounts that vary and are never stated. The home page describes the same company as a non dealing desk whose interests line up with its clients.

Who profits1 clause flagged

The disclaimer says TemplerFX executes every transaction as a commission agent, on its own behalf for your account. It also says other firms pay it fees for the business it sends them, in amounts that vary and are never stated.

Why this matters

The home page tells you a non dealing desk lines its interests up with yours. Its legal pages say it takes the other side and gets paid by third parties for your trades.

Exhibit 9WarningHarder than usual

Any and all transactions are executed by Templer FX in its capacity as a commission agent, i.e. on its own behalf for the customer’s account.
Clause Execution of transactions as a commission agent in Disclamer
Read from the broker's site on Open the reference
Set against a regulated standard: ESMA (EU), FCA (UK), CySEC (Cyprus)

Firms under ESMA's rules, including those licensed by the FCA and CySEC, must tell a retail client the exact amount of any payment they take from a third party, and must say plainly when they deal on their own account. This disclaimer says only that the amount can vary.

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

The company is in Kingstown and so is the courtroom

Templer Holdings Management Limited, of Suite 305, Griffith Corporate Centre in Kingstown, is the company named in the TemplerFX terms, and those terms give the courts of Saint Vincent and the Grenadines exclusive jurisdiction. Payment clearing is handled by a separate partnership, Mayside Solutions LP, in Glasgow.

Where you sue1 clause flagged

The terms name Templer Holdings Management Limited of Kingstown as the company you deal with, and give the courts of Saint Vincent and the Grenadines exclusive jurisdiction. Payment clearing runs through Mayside Solutions LP in Glasgow.

Why this matters

A claim means hiring lawyers in Saint Vincent, whatever country you live in. The company holding your money and the partnership moving it sit under different legal systems.

Exhibit 18NoticeStandard wording

This agreement is executed and entered into between the company Templer Holdings Management Limited, registered office is located at Suite 305, Griffith Corporate Centre Beachmont P.O.Box 1510, Kingstown - St. Vincent and the Grenadines, as well as customers, individuals or legal entities ("Customer"). Payment clearing services provided by Mayside Solutions LP, Suite 1411, 111 West George Street, Glasgow G2 1QX, Scotland.
Clause Applicable Law and Jurisdication in Terms and Conditions
Read from the broker's site on Open the reference

The contract you agree to is not on the website

Three TemplerFX documents refer to an agreement the site does not publish, called the Public Offer Agreement in one place and the General Terms and Conditions in another. The disclaimer offers you two ways to read it: visit the offices in Kingstown, or telephone. No document we read names a regulator, a licence number or a compensation scheme.

Missing contract1 clause flagged

None of the documents we read names a regulator, a licence number or a compensation scheme. Client money is not said to be held separately unless you buy the segregated account service.

Why this matters

If TemplerFX fails, no scheme pays you back and no supervisor takes your complaint. The footer also rules out clients from the US, the UK, the EU, Canada, Turkey, Israel and Japan.

Exhibit 19NoticeStandard wording

Please note: We do not provide services for US, UK, EU, Canada, Turkey, Israel, and Japan residents and entities of any kind.
Clause Footer notice in Risk Disclosure
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC hold retail client money separately and belong to a compensation scheme that pays out if the firm fails. TemplerFX names neither anywhere in its published documents.

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

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

One TemplerFX page rules out losing more than your deposit, and another tells you to find more capital when losses pass it.

Said in public, in English

Templer employs an automated risk management system to ensure that a client’s balance does not fall below their initial deposit. This means clients cannot lose more than their initial investment.

Fast market policy, Risk Management section

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

In the contract · clause General Notes on the Offer of Templer FX, Day trading

If you carry out futures trades that lead to losses exceeding the security deposited by you, your will have to procure additional capital

02

The FAQ denies any deposit or withdrawal fee, and the page it links to charges 2% plus $5 on a card and up to 3.5% elsewhere.

Said in public, in English

Templer FX does not charge anything for depositing and withdrawing funds.

FAQ, Deposits and Withdrawals, question 5

In the contract · clause Withdrawal, Visa/MasterCard row

2%+5USD

03

The home page sells a non dealing desk, and the disclaimer says TemplerFX deals on its own behalf.

Said in public, in English

Templer FX offers a NDD (Non Dealing Desk) execution model which aligns our interests with the interests of our clients

Home page, Why choose TemplerFX

In the contract · clause Execution of transactions as a commission agent

Any and all transactions are executed by Templer FX in its capacity as a commission agent, i.e. on its own behalf for the customer’s account.

04

The Chinese page puts the non dealing desk promise into Chinese and leaves the sentence naming TemplerFX as the counterparty in English.

Said in public, in Chinese

Templer FX提供一个无交易员的执行模式(Non Dealing Desk) 以迎合公司与顾客双方的利益。

Word for word in English: Templer FX offers a No Dealing Desk execution model to suit the interests of both the company and the customer.

Chinese home page, 为何选择TEMPLER FX

In the contract · clause 关于 TemplerFX 外汇经纪商

The company operates as institutional and retail ECN counterparty to clients trading in the foreign exchange ("Forex") marke.

05

The page guarantees bank level safety for a balance that is 70% credit the same agreement says you can never withdraw.

Said in public, in English

The system of segregated accounts by TemplerFX Company provides full protection to its clients and guarantees funds safety which is as high as on your bank’s account.

Segregated Accounts page, opening description

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

In the contract · clause Supplementary Agreement, restrictions

The credit amount equaling 70 % of the initial deposit cannot be withdrawn.

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

06

The home page promises tight spreads to all clients, and the swap free account carries a spread ten times wider plus $5 a lot.

Said in public, in English

Fast execution TemplerFX offers tight spreads to all clients.

Home page, heading Tight spreads.No hidden fees

In the contract · clause Muslim FX

Transaction fee: $5/lot

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

The documents this reading is based on

22 files, all published by TEMPLER. 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 TEMPLER publishes.

How this reading was done

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

This reading was published on .

Documents
15 of 22downloaded from the broker's site, and 15 read in full
Pages opened
34pages walked to find those documents, footer links included
Older copies
5earlier versions downloaded, 1 identical to the copy we hold by fingerprint
Marketing pages
11public pages set against what the contract says
Languages
EN vs ZHthe language it advertises in, against the language it contracts in
Position measured
3clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

Templer Holdings Management Limited

Templer Holdings Management Limited is the company named in the Terms and Conditions, registered at Suite 305, Griffith Corporate Centre, Beachmont, Kingstown, Saint Vincent and the Grenadines. The same paragraph says payment clearing is provided by Mayside Solutions LP of 111 West George Street, Glasgow, Scotland, so the firm you contract with and the partnership that moves your money sit in different countries. The site brands itself TemplerFX and calls the group Templer Holding. No document we read names a regulator, a licence number or a compensation scheme.

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

TemplerFX charges nothing to open or keep an account, and its FAQ confirms a live account with a zero balance stays open. Nothing we read sets a dormancy fee, an archive date or a deletion timetable, which puts it ahead of most offshore brokers. Deposits by card, Skrill, Perfect Money and the African mobile wallets are free and instant, and transfers between your own accounts cost nothing. The bonus pages give the volume formula with worked examples instead of a vague turnover rule.

The binding contract, which TemplerFX calls the Public Offer Agreement and also its General Terms and Conditions, is not on the website and we did not read it. The privacy link at templerfx.com/about/privacy_policy serves the home page instead of a policy; we found the real policy at templerfx.com/en/main/privacy_policy and read it there. The archived copy of that page came back as a bot check, so we could not compare it with anything. The deposit and withdrawal table names its payment methods with logo images, so those names did not come through with the text and we read them on the English page. The members area, where deposits and withdrawals happen, sits behind a login we do not have. We read the fast market policy, the margin page, the account types page, the FAQ and the English AML policy in part, not end to end.

How to check any of this yourself

Every quote above links to the TEMPLER 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 TEMPLER 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 TEMPLER 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 30, 2026.

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

Back to the TEMPLER profile