Capital Return & Refund Policy
Understanding withdrawal procedures, guarantees, and capital return processes
Last Updated: December 2024
90-Day Guarantee
Full money-back guarantee on first contract
Profit-Back Tiers
Tiered guarantees for extended terms
Request Process
Structured withdrawal system
1. Capital Return Overview
This policy outlines the procedures for capital return and withdrawal. Capital return is subject to the terms of your specific Contribution Agreement.
This is NOT a traditional "refund policy" for goods or services. Your contribution represents operational capital. Capital return follows structured procedures based on your contract tier and timing.
2. Guarantee Tiers
IPVALUE MANAGEMENTS GROUP offers a tiered guarantee structure:
| Contract Tier | Duration | Guarantee Type | Your Share |
|---|---|---|---|
| Contract 1 | 90 Days | Money-Back | 70% |
| Contract 2 | 1 Year | Profit-Back | 63% |
| Contract 3 | 2 Years | Profit-Back | 60% |
| Contract 4 | 3 Years | Profit-Back | 55% |
| Contract 5 | 10 Years | Profit-Back | 50% |
2.1 Money-Back Guarantee (Contract 1)
During the initial 90-day period:
- Full return of contributed capital upon request
- No penalties or fees for withdrawal
- Processing within standard business timelines
2.2 Profit-Back Guarantee (Contracts 2-5)
After the initial 90-day period:
- Guaranteed return of accumulated profits according to your tier percentage
- Early withdrawal may be subject to a 15% administrative adjustment
- Capital return subject to liquidity and operational feasibility
3. Withdrawal at Term Expiration (Preferred Method)
The preferred method of capital return is at the natural expiration of your participation term:
- 1Withdraw: Request full return of your capital plus accumulated earnings
- 2Renew: Continue participation under a new contract with potentially improved terms
- 3Partial Withdrawal: Withdraw a portion while continuing with the remainder
Withdrawals at term expiration are typically processed in 3-5 business days.
4. Early Termination (Before Term Expiration)
Early termination requests are handled on a discretionary basis:
- Written Request: Submit a formal written request through your account dashboard
- Review Period: The Company will review your request considering operational feasibility
- Determination: You will receive notification of approval, modification, or denial
- Processing: If approved, capital return will be processed according to applicable terms
Early termination is NOT guaranteed and is subject to Company discretion. A 15% administrative adjustment may apply.
5. Exclusions & Limitations
Not Covered:
- Automatic or immediate capital return due to market downturns
- Refunds based on dissatisfaction with performance levels
- Guaranteed immediate repayment
- Penalty-based recovery for force majeure events
- Return of referral commissions or bonuses previously paid
- Compensation for lost anticipated returns
6. Processing & Timelines
- Review Period: 1-3 business days
- Approval Notification: Within 5 business days
- Fund Transfer: 3-5 business days after approval
- Total Timeline: Typically 5-10 business days
7. How to Request Capital Return
Account Dashboard (Preferred)
Navigate to Payouts > Request Withdrawal in your member portal
Written Request
Submit through the internal messaging system in your account
All withdrawal requests require identity verification. Please ensure your account information is up to date.