How to unlock a used iPhone from Fido?

I'm looking to buy a secondhand iPhone 5 that is locked to Fido.
However Fido's info page about unlocking iPhones is very unclear.
It says something about having it active for 90days or something.
but I just want to get it unlocked and pay the 50$. It's also not tied to my name so how would that work?

Thanks

(I tried posting in the Fido forums but that was unclear too. I got so frustrated about not being to create a new question that I just came here. Ugh.)

Put the sim in