Terms of Use

Educational material, not advice

Everything on this site is educational material only. It is not advice and not an offer, and it is not a recommendation to open an account or to trade gold.

Nothing here is tailored to a reader's finances or goals. A decision to trade is the reader's own, and it should be taken with the broker's own documents in front of you, not with a page from this desk.

What the Margin Example Shows and What It Leaves Out

The margin figure on this site shows the deposit required to open a 0.10-lot gold position at the applicable leverage cap, which is about $85.50. That number is a worked example, not a recommendation to trade that size. It depends on the cap that applies to the entity serving the Philippines, and the cap is a ceiling, not a setting to aim at. The example also leaves out the costs that sit alongside margin: the spread, any commission, and the swap if the position is held overnight. Those costs depend on the broker’s pricing and on market conditions, and they are not fixed by the example.

The margin example also does not show the loss at which a position would be closed out. A 0.10-lot gold position is 10 oz, and with one pip equal to 0.01, each pip move is worth a small peso amount that depends on the prevailing exchange rate. If gold moves against the position, the loss can exceed the margin posted, which is why risk controls matter more than the headline margin number. The example is there to make the mechanics concrete, not to suggest that $85.50 is the most you can lose or the amount you should fund.

The example assumes the reference price of 4275.0 and the leverage cap that applies to the entity serving this country. If either changes, the margin figure changes with them, so you should treat the number as an illustration rather than a constant. The site does not state a spread, commission, swap, or minimum deposit as a number because those are set by the broker and vary by account and market conditions. Before you trade, check the live margin requirement and the full cost breakdown on the broker’s platform, using MT4, MT5, cTrader, or the FxPro app.

Dated figures and affiliate links

Figures on this site are dated and must be verified with the broker before use. A number read on one date can change, and the broker's own documents are always the authority.

Affiliate links mean the reader's relationship is with the broker, not with Cebu Fees. The desk is not a party to any account, and the exact regulatory fact to rely on is that FxPro is licensed by the FCA (UK) and CySEC - not by the SEC of the Philippines.

The risk in gold CFDs

CFDs on gold carry a high risk of loss and most retail accounts lose money. Leverage, which is a cap rather than a target, magnifies both gains and losses, and a position can move against a trader quickly.

At the applicable cap, a 0.10-lot gold position needs about $85.50 margin as a worked reference, but margin is not the most a trade can lose. Readers should understand the risk before funding anything through GCash or bank transfer.

How Changes to These Terms Are Published

Changes to these terms are published on this page, and the updated version takes effect when it is posted. Cebu Fees does not send individual notices for every edit, so the current text on this page is the version that applies. If a change affects how the affiliate relationship is described, how liability is limited, or which law governs the terms, the revised wording will appear in the relevant section above. You should check this page periodically if you rely on the terms for any reason. Continued use of the site after a change means you accept the updated terms.

The site does not backdate changes or apply new terms to past conduct. Each version of the terms stands for the period it was live, and the current version governs your use from the moment it is published. Because the site is an educational publisher and not a broker, there is no account login that would trigger a separate acceptance step. The publication itself is the notice. If you need to know what changed, compare the current text with any copy you saved earlier, since the site does not maintain a public archive of every past version.

Cebu Fees may update these terms to reflect changes in the broker relationship, in the funding methods described, or in the legal framework that applies to the site. The site will not announce a change by email or through the broker’s platform, and the broker’s own terms are separate from these site terms. If a change is significant, it will be written plainly in the section it affects. The absence of a separate notice does not make a published change invalid. Your continued reading of the site after publication is treated as acceptance of the current terms.

Limits of Liability in Plain Words

Cebu Fees is not liable for trading losses, missed opportunities, or any financial outcome that follows from using the information on this site. The material is general and cannot account for your capital, your risk tolerance, or your personal circumstances. Gold CFDs can move quickly, and a position can lose more than the margin you set aside. By reading and acting on anything here, you accept that the decision and the risk are yours. The site does not manage money, does not place orders, and cannot reverse a trade or recover a loss.

Cebu Fees is not responsible for the accuracy of third-party platforms, broker statements, or funding rails. If a GCash or bank transfer is delayed, reversed, or rejected, that is a matter between you and the provider or the broker, not Cebu Fees. The site also does not guarantee that the site will be available without interruption or that any linked page will remain current. Figures such as the reference price of 4275.0 are snapshots and will change. You should confirm live prices and account terms on the broker’s platform before you trade.

Cebu Fees is not liable for indirect or consequential losses, including lost profits, lost data, or damage to equipment, arising from use of the site. Nothing on this site creates a client, advisory, or fiduciary relationship between you and Cebu Fees. The limits described here apply to the fullest extent permitted by the law that governs this site. If any part of these terms is found to be unenforceable, the remaining parts continue to apply. This section is written in plain words, but it does not replace your own legal advice if you need it.

The Law That Applies to These Terms

These terms are governed by the laws of the Philippines, and any dispute arising from the use of this site is subject to the jurisdiction of the Philippine courts. Cebu Fees operates as an information publisher for readers in the Philippines, and the site’s compliance with local law is limited to that publishing role. The broker relationship is separate: the entity that serves the Philippines is the FxPro entity that serves this country, and it is licensed by the FCA (UK) and CySEC, not by the SEC of the Philippines. That means the broker’s licence and conduct are not supervised by the Philippine SEC.

Because the broker is not licensed by the SEC of the Philippines, any complaint about trading, account handling, or fund withdrawal must be directed to the broker and, if needed, to the regulator that licenses the entity serving this country. Cebu Fees cannot act as an intermediary in those disputes. The law that applies to your broker account is set out in the broker’s own client agreement, not in these site terms. You should read that agreement before funding an account, especially the sections on governing law, complaints, and dispute resolution.

If you access this site from outside the Philippines, you do so on your own initiative and are responsible for compliance with any local laws that apply to you. Cebu Fees makes no representation that the material is appropriate or available in every jurisdiction. The site’s terms are written for a Philippine audience using peso amounts and local funding methods such as GCash and bank transfer, but the legal effect of these terms is determined by Philippine law. Nothing here overrides any mandatory consumer protection you may have under that law.

The Affiliate Relationship, Stated in Full

Cebu Fees earns money through affiliate links to the broker named on this site. When you click a link and open a trading account with FxPro, the site may receive a commission from the broker. That commission does not change the price you pay, the spread you are quoted, or the terms of your account. It is paid by the broker out of its own revenue, and it is the commercial arrangement that keeps the site free to read. The commission is not a fee added to your trades, and it is not deducted from your deposits or withdrawals.

The affiliate relationship does not give Cebu Fees any control over the broker’s platform, pricing, execution, or the entity that serves the Philippines. The site does not receive your account details, your order flow, or your personal trading data from the broker. Any commission earned depends on the broker’s own affiliate programme, and the site has no ability to alter the spread, commission, or swap that applies to your account. Those costs are set by the broker and depend on the account type, the instrument, and market conditions at the time you trade.

Cebu Fees may also link to other resources, but the affiliate arrangement described here applies specifically to the broker links on this site. The site does not accept payment to publish favourable coverage, and the educational material is written to be useful whether or not you open an account through a link. If you prefer, you can reach the broker directly without using an affiliate link, and the information on this site remains the same. The relationship is disclosed so you can weigh the source of the information you are reading.

What Cebu Fees Provides and What It Does Not Provide

Cebu Fees is an educational website that publishes factual reference material about trading gold CFDs (XAU/USD) for readers in the Philippines. The material explains how the instrument works, how margin and leverage are applied, how costs are structured, and how local funding methods such as GCash and bank transfer interact with a broker account. It does not provide personalised investment advice, portfolio recommendations, or buy and sell signals. Nothing published here should be read as a suggestion that any particular trade is suitable for your circumstances. The site is a reference, not a substitute for your own analysis or for professional advice from a licensed adviser.

Cebu Fees does not execute trades, hold client money, or operate a trading platform. All trading takes place on the platforms of the broker named on this site, which is FxPro, using MT4, MT5, cTrader or the FxPro app. The entity that serves the Philippines is the FxPro entity that serves this country, and that entity is licensed by the FCA (UK) and CySEC, not by the SEC of the Philippines. Because no account or order passes through Cebu Fees, the site cannot confirm fills, adjust positions, or resolve disputes between you and the broker. Any account, funding, or platform issue must be raised directly with the broker.

Cebu Fees does not promise outcomes, returns, or that any strategy will work. Gold CFDs are high-risk products, and the material here treats that risk as a permanent feature rather than a warning to be skipped. Figures such as the reference price of 4275.0 and the margin example for a 0.10-lot gold position are illustrations of how the mechanics work, not forecasts or recommendations. If you need advice about whether trading suits your finances, speak to a licensed professional. The site’s role is to help you understand the tools and the costs before you decide anything.