Refund and Withdrawal Policy

1. Introduction

This Refund and Withdrawal Policy (the “Policy”) governs the terms under which clients of B-Investor, operated by Expert-B LTD, may request fund refunds or withdrawals. This Policy is designed to ensure transparency, protect client interests, and comply with Mwali International Services Authority (MISA) regulations.

2. General Provisions

2.1 Scope and Application
  • This Policy applies to all funds deposited, managed, or traded through the Platform.
  • Clients must have a fully verified account in accordance with KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements before requesting a withdrawal or refund.
2.2 Processing Timelines
  • Refund and withdrawal requests are processed within 5 to 10 business days from the date of request.
  • Processing times may vary due to payment provider procedures, financial institutions, or compliance verifications.
  • Clients will be notified of any delays with an updated processing timeline.
3. Refund Policy

3.1 Eligibility for Refunds
  • Refunds are only granted in the following cases:
  • Processing errors, such as duplicate transactions or incorrect billing.
  • Unauthorized transactions, subject to investigation and supporting evidence.
  • Other exceptional cases determined at the sole discretion of the Company.
  • Refund Requests:
  • Clients must submit refund requests through the customer support system or via support@b-investor.com within 30 days of the transaction date.
3.2 Non-Refundable Transactions
  • Refunds are not applicable for:
  • Trading losses due to market fluctuations or investment decisions.
  • Brokerage service fees, such as commissions, management fees, or account maintenance fees, once the service has been provided.
3.3 Review and Approval
  • All refund requests undergo a thorough internal review before approval.
  • The Company reserves the right to approve or deny refund requests at its discretion.
  • Approved refunds will be credited to the original payment method.
3.4 Chargebacks
  • Chargebacks initiated through a client’s bank or payment provider will trigger an internal investigation.
  • Clients are encouraged to contact the Company before initiating a chargeback to resolve issues directly.
  • Unjustified chargebacks may result in:
  • Account suspension or termination
  • Additional fees for administrative handling
  • Legal action in cases of fraud
4. Withdrawal Policy

4.1 Submission of Withdrawal Requests
  • Clients must request withdrawals via their account dashboard on the Platform.
  • Requests must specify the amount and the payment method.
  • All withdrawals are subject to:
  • Available funds in the client’s account.
  • Compliance with the Company’s withdrawal procedures.
4.2 Verification and Compliance
  • To ensure compliance with KYC and AML regulations, the Company may require:
  • Identity verification (passport, national ID, or driver’s license)
  • Proof of residence (utility bill or bank statement)
  • Source of funds verification, especially for large withdrawals
  • Failure to provide requested documents may result in delays or denial of the withdrawal.
4.3 Minimum Withdrawal Amount
  • The minimum withdrawal amount is $50 (or equivalent in another currency).
  • Withdrawals below this threshold will not be processed.
4.4 Withdrawal Processing & Security Measures
  • To minimize fraud and chargeback risks, withdrawals will first be processed to the original deposit method (e.g., the card used for deposits).
  • Once the initial deposit amount has been refunded, additional withdrawals can be sent to an alternative account, provided it complies with our regulations and KYC/AML policies.
  • Clients requesting withdrawals to a new payment method must undergo additional verification checks.
4.5 Fees and Charges
  • Withdrawal fees may apply depending on:
  • The selected payment method
  • The amount withdrawn
  • The applicable fees will be disclosed at the time of the withdrawal request.
4.6 Denial of Withdrawal Requests
  • Withdrawal requests may be denied in the following cases:
  • Non-compliance with this Policy.
  • Insufficient available funds in the account.
  • Outstanding obligations to the Company.
  • Suspected fraudulent activity – such requests may be subject to additional review and potential reporting to authorities.
5. Client Responsibilities
  • Clients must:
  • Ensure that account details are accurate and up to date.
  • Notify the Company immediately of any unauthorized transactions or discrepancies.
  • Comply with all verification requests to facilitate timely processing of refund and withdrawal requests.
6. Amendments
  • The Company reserves the right to amend this Policy at any time.
  • Changes will be effective immediately upon posting on the Platform.
  • Clients are encouraged to review this Policy periodically to stay informed of any updates.
7. Contact Information
  • For any questions or concerns regarding this Policy, please contact us:
  • Email: support@b-investor.com
  • Phone: +44 203 807 1108
  • Address: Expert-B LTD, Bonovo Road, Fomboni, Island of Mohéli, Comoros Union