Programs can only read/write to \program files on XP. After that UAC is part of Windows. Either you install it in \program files and let it write in the data folders (Data Structure in MetaTrader 4 Build 600 and Higher - MQL4 Articles 17.02.2014
) or you install it outside \program files and it uses /portable mode and writes to the install directory (and can't be used my multiple logins.)

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i have a problem installing MT4, i choose a specified folder to install in program files but somehow is keeps installing in C:\Users\User Name\AppData\Roaming\MetaQuotes\Terminal\47209F621A0824DC435D5461B238BDDD\templates
i'd like to have the program installed to program files and read and write from there, is there any solution??
Thank you