DEPOSITS AND WITHDRAWALS
POLICYDeposits & Withdrawals
PolicyTABLE OF CONTENTS
1.

DEPOSITS .................................................................................................................................................................................................... 3A.

HOW TO DEPOST FUNDS .................................................................................................................................................4B.

CREDIT/DEBIT CARD DEPOSITS ...................................................................................................................................4

C. ELECTRONIC PAYMENT METHODS .............................................................................................................................5D.

BANK WIRE ...............................................................................................................................................................................5

E.

FEES ..............................................................................................................................................................................................5

2. WITHDRAWALS........................................................................................................................................................................................6
A.

WITHDRAWAL REQUESTS.................................................................................................................................................6

B.

FEES ..............................................................................................................................................................................................9

C. CONVERSION RATE OF WITHDRAWALS ................................................................................................................ 10
3. DORMANT ACCOUNT/INACTIVITY FEES ................................................................................................................................ 10‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 2 of 11

Deposits & Withdrawals
PolicyDEPOSITS AND WITHDRAWALS
POLICY1.

DEPOSITS

1.1.

Subject to the provisions of paragraph 1.8 hereinafter, Clients may deposit funds with theCompany at any time after completing the account verification process in the client area,
as described further below.

1.2.

Deposits will be accepted by bank transfer, Swift, E-wallet, debit/credit card or any othermethod of electronic money transfer (where the originator is the Client), acceptable by
the Company from time to time.

1.3.

The Company accepts deposits in the currencies stipulated in the client area.

1.4.

The Company shall use its best endeavours to credit the Client’s Account within one (1)Business Day after the relevant amount is cleared in the bank Account of the Company.
For the purposes hereof, a ‘Business Day’ shall refer to any day in which normal business
operations are conducted, which includes Monday through Friday from 9 a.m. to 5 p.m.
local time and excludes weekends and public holidays.

1.5.

The Company takes extreme precautions, however, when dealing with security alerts for
Credit/Debit card payments in order to protect our own and our Clients' financial integrity.
For this reason, although we strive to credit our clients' Credit/Debit card deposits as soon
as possible, we cannot promise, nor guarantee to be able to ensure such crediting within
the time frame set out in paragraph 1.4 above, as in some cases additional verification of
payments is likely to be required.

1.6.

The Company reserves the right to deduct from the relevant amount any transfer fees orother charges that are imposed by the Financial Institution (or intermediary/payment
processor involved in the process) that holds and/or transfers the funds.

1.7.

The Company will not accept third party or anonymous deposits of funds and the Client
accepts that deposits shall be accepted only if the Company is satisfied that the senderof the funds is the Client or another registered and verified Client of the Company who
has been appointed and accepted by the Company as an authorized representative of
the Client; if the Company is not satisfied as to the above then the Company has the rightto reject the funds and return them to the remitter net of any transfer fees or other charges
incurred by the Company, using the same transfer method as the one through which it
originally received the funds.

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 3 of 11

Deposits & Withdrawals
Policy1.8.

Funds deposits are only available for Clients who have been identified and assessed by
the Company and confirmed their contact details.

1.9.

Clients will be required to upload their supporting documents, such as Photo ID and Proofof Address, and have their trading Account verified, so as to be able to deposit funds withus.

A.

HOW TO DEPOST FUNDS

1.10.

Clients can deposit funds with the Company through our Website once they have logged
in to the Client area.

1.11.

We accept all major credit and debit card issuers, Moneybookers/Skrill, Neteller and Bank
Wire transfer, with no fees or commissions on our end, and instant processing time.
Depending on your country of residence, additional deposit methods may be available.

1.12.

To fund your trading Account with us, (a) log in to the https://finpros.com/ portal by using
the log-in credentials that were sent to you via email when you registered, (b) proceed tothe ‘Client Area’ and click on the ‘Deposit’ button’.

1.13.

We will send you an email with the login details of the https://finpros.com/ portal uponcompleting your registration – use those credentials. If you have lost your login
credentials, use the Password Reset procedure by flowing the ‘Forgot Password?’ link on
the login to the https://finpros.com/ portal.

B.

CREDIT/DEBIT CARD DEPOSITS

1.14.

Credit/Debit card deposits may be performed, according to the credit/ debit cardcompanies' regulations. In order to be able to deposit funds using a credit/debit card, youwill need to complete the online credit/debit card deposit form with the following
information:•

Name of Card Holder•

16-digit Credit/Debit Card Number•

Expiration date•

Credit Card Security Code (‘CSC’) (also known as Card Verification Value(“CVV”) code); the CSC/CVV is usually a 3- or 4-digit number, which is not part ofthe credit card number. The CSC/CVV is typically printed on the back of a credit
card (usually in the signature field).

1.15.

Credit/debit cards usually hold a monthly maximum spending limit of 20,000 units. If suchspending limits apply, funds exceeding this level may not be possible to deposit in the
Account. You should consult with your card issuer for any further information.

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 4 of 11

Deposits & Withdrawals
PolicyC.

ELECTRONIC PAYMENT METHODS

1.16.

Deposits via Electronic Payment Methods may be performed, according to the Electronic
Payment Provider’s regulations and rules.

1.17.

When depositing funds using these facilities, you agree to, and acknowledge being boundby, the regulations and rules of such Electronic Payment Service, including, but not limited
to, fees and other restrictions.

1.18.

Using these facilities as a means of transferring funds is at the discretion of each Client
and the Company recommends that all policies and procedures regarding transfer,transaction limits, fees, etc. are clearly understood by the client prior to opening an
Account or using their services.

D.

BANK WIRE

1.19.

We accept payments by Bank Wire Transfers in various currencies to our bank Accounts.
Bank Account details will be provided in the Bank Wire deposits section in the Client area.

1.20.

When depositing by a Bank Wire Transfer, you are required to use only a bank account,which is in your name, which should match the name of your trading account exactly.

1.21.

An authentic SWIFT confirmation or Transfer Confirmation, showing the origin of the funds,
must be sent to the Company, if requested. Failure to submit such SWIFT/Confirmation
when requested, may result in the return of the deposited amount, hence preventing thedeposit of such pending amounts to your account.

1.22.

Please also note that, due to the Bank Wire Transfer fees that may be incurred on
payments made through some international banking institutions (see further below), theminimum amount for deposits via Bank Wire Transfer is set at an amount of five hundred(500) units of the of currency in which the Account is denominated (“AccountDenominated Currency”).

E.

FEES

1.23.

Subject to the provisions of paragraph 1.27 hereinafter, there are no fees to deposit fundswith the Company, or to make internal transfers between trading Accounts (under thesame Client profile).

1.24.

Clients must be aware, however, that they may incur Bank Wire transfer fees on payments
made through some international banking institutions. Bank wire transfer fees vary frombank to bank. The Company is not liable for any Bank Wire transfer fees charged by any
transferring or intermediary bank. You should consult with your bank for any further
information on any applicable Bank Wire transfer fees.

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 5 of 11

Deposits & Withdrawals
Policy1.25.

For deposits by Credit/Debit card or other electronic payment methods, please note that,in some instances, certain service providers may be charging commissions. You should
consult with your card issuer or electronic payment service provider for any further
information.

1.26.

The Company is not liable for any fees charged by any bank, intermediary bank,intermediary/payment processor and or Credit/Debit card issuer involved in the deposit
process.

1.27.

In the event that a Client is deemed, in the Company’s sole discretion, to act in an abusive
or inappropriate manner when making deposits with the Company (e.g., making several
deposits (and withdrawals) without any further trading), the Company reserves the rightto charge the Client any transaction fees incurred by the Company by accepting any suchdeposits (and/or withdrawals), without being required to give the Client prior notice.

F. CONVERSION RATE OF DEPOSITS
1.28.

In the event that a Client deposits funds in a currency other than the base currency of
his/her trading Account, the Company will convert the transfer amount into the basecurrency of the Account.

1.29.

The conversion shall be based on the applicable conversion rate at the close of theprevious trading day on our trading platform.

1.30.

The Company will take reasonable steps to execute any such currency exchange prior toclose of business on the next following Business Day, but cannot be held responsible incase of a delay due to unforeseen events.

1.31.

The Client accepts any and all charges as well as all currency fluctuations arising fromsuch exchanges.

2.

WITHDRAWALSA.

WITHDRAWAL REQUESTS

2.1.

The Company will proceed with the Clients’ withdrawals upon receipt of the withdrawal
request the Client submitted via the Client area.

2.2.

The Company will process the Client’s request to withdraw funds on the same day thatthe request to withdraw funds was made, or the next following Business Day, if the Client’s
request is received outside of normal business hours; however, the time required for thefunds to be credited to the Client’s bank Account or Credit/Debit card Account will dependon the payment method used.

2.3.

For Bank Wire Transfers, it may take about three (3) to five (5) Business Days for the funds
to be credited to your bank Account.

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 6 of 11

Deposits & Withdrawals
Policy2.4.

For withdrawals via Electronic Payment Methods, the number of days that may berequired for the funds to be credited to your account will depend on the Electronic
Payment Service you are using.

2.5.

For Credit/Debit card withdrawals, up to seven (7) Business Days may be required for thefunds to be credited to your Credit/Debit card Account (depending on your card provider).

2.6.

In the event that your documents are expired, any withdrawals you request will not bemade until all your documents are up to date and fully verified. Clients will be required tokeep their supporting documents, such as Photo ID and Proof of Address, up to date inorder to be able to withdraw funds from their account with us.

2.7.

The Client accepts that the Company will process withdrawals and refunds back to thesource of the original deposit.

2.8.

For example, a Client has made a deposit using 3 different payment methods:
1.

Credit Card

2. E-wallet
3. Bank Wire Transfer
2.9.

In the above example, if the Client will request a withdrawal, then firstly the money will be
refunded back to his/her credit card, secondly money will be sent back to his/her e-wallet
Account and the remainder will be transferred to his/her bank Account in accordancewith the amounts deposited by each method.

2.10.

Withdrawals and refunds will be carried out in the sequence described above, irrespectiveof which deposit method the Client used first (i.e., if the Client deposited by Bank Wire first,
then by e-wallet and finally by Credit/Debit Card, the Credit/Debit will always be used firstfor the withdrawal/refund. Once the Credit/debit card is fully refunded, then the funds will
be sent to the client’s e-wallet, etc...).

2.11.

In some rare instances, if your Debit/Credit card does not belong to CFT/OCT programs,by which your card issuer allows withdrawals above the deposited amount, we will not beable to process the transaction back to your Debit/Credit card. In this instance, you may
need to withdraw your funds via bank transfer instead. The Company cannot determine if
your card belongs to this program and accepts such transactions until we receive yourwithdrawal request. You should consult with your Debit/Credit card issuer for any further
information.

2.12.

Please note that the Company is not able to process withdrawals to a card number fromwhich you did not deposit before. A withdrawal to a bank Account, when initial deposits
have been performed by Credit/Debit card, may be executed in the Company’s sole

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 7 of 11

Deposits & Withdrawals
Policydiscretion. As soon as all previous deposits by card have been withdrawn back to the card
used for the deposit, the Company may accept a transfer to a bank Account for a
withdrawal of profits, provided that the bank Account can be shown to be in the Client’s
name, which should match the name of the trading Account exactly.
2.13.

Any withdrawal of funds, from an Account with the Company to a bank Account, can only
be refunded to the same bank Account that the funds were originally received from or, incase the bank Account used for the deposit is no longer in operation at the time ofwithdrawal, another bank Account, that can be shown to be in the Client’s name, whichshould match the name of the trading Account exactly.

2.14.

The Company will never proceed with withdrawals/refunds to third party or anonymous
Accounts.

2.15.

For withdrawals via Bank Wire Transfer, the Company reserves the right to ask you to
upload evidence of your bank account, which could be either a copy of a bank statement(PDF version is acceptable), paying-in slip or void cheque (marked as cancelled).

2.16.

For withdrawals via Electronic Payment Methods, withdrawals may be performed only
via the same payment method clients used when initially depositing to your trading
account. The Company recommends that all policies and procedures regarding transfer,transaction limits, fees, etc. are clearly understood by the Client prior to opening an
Account or using Electronic Payment Services.

2.17.

For Credit/Debit card withdrawals, the Company reserves the right to ask you to uploada scanned color copy or photos of both the front and back pages of your card. It is advised
that, if you are requested to upload such a scanned color copy or photos of both the front
and back pages of your card, you only leave the 1st and last 4 digits of your card number
visible in the image, and cover the CVV number from the back of your credit card. Please
note that for cards that do not show cardholder name, the Company may require from a
Client documental proof of card ownership, such as a confirmation letter or statement by
the card’s issuer.

2.18.

Furthermore, the Company reserves the right to decline a withdrawal funds from the
Client’s Account, if the following requirements are not met:a. The withdrawal instruction includes all necessary information (including but notlimited to: Account No. Name, Amount, Currency);
b. At the moment of payment, the Client’s Free Margin exceeds the amount specified
in the withdrawal instruction including all payment charges; withdrawal requests
for amounts exceeding 70% of the Client’s Free Margin in his/her trading Accountshall not be processed.

‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 8 of 11

Deposits & Withdrawals
Policy2.19.

The Company reserves the right, during the withdrawal process, to request any additional
information related to the requested payment method. The Client understands andaccepts that under such circumstances there may be a delay in processing the request.

2.20. The Company reserves the right to decline a withdrawal request of the Client asking for a
specific transfer method and the Company has the right to suggest an alternative.
2.21.

All Client withdrawals requests shall be processed in the currency in which the deposit
was originally made.

2.22.

Due to the Bank Wire Transfer fees that may be incurred on withdrawals/refunds throughsome international banking institutions (see further below), the minimum amount forwithdrawals/refunds via Bank Wire Transfer is set at an amount of two hundred (200) unitsof the Account Denominated Currency.

2.23.

Upon the Company receiving an instruction from the Client to withdraw funds from the
Client’s trading Account, the Company shall process the withdrawal of the funds the sameday, or the next following Business Day, if the Client’s request is received outside of normal
business hours, if the following requirements are met:•

The withdrawal instruction includes all necessary information (including but notlimited to: Trading Account Number, Name, Amount, Currency);•

The instruction is to make a bank transfer of funds to the bank Account of the Client;•At the moment of payment, the Client’s Free Margin in his/her Account exceeds theamount specified in the withdrawal instructions, including all payment charges.
Withdrawal requests for amounts exceeding 70% the Client’s Free Margin in
his/her trading Account shall not be processed.

2.24. All payment and transfer charges will be borne by the Client and the Company reserves
the right to debit the Client’s Account for these charges.
2.25.

In specific circumstances, when reasonably deemed necessary to ensure that yourobligations towards us are covered, the Company reserves the right to impose withdrawal
limits and withdrawal fees in its system.

2.26. The Company cannot accommodate withdrawal requests for floating trading profits. A
trading position will need to be closed before any profits attributed to it may be withdrawn.

B.

FEES

2.27.

Subject to the provisions of paragraph 1.27 above, which shall be applicable mutatis
mutandis as fa as withdrawals are concerned, the Company has no minimum withdrawal
amountrequirement;

however,the

Client

needs

to

be

aware

of

potential‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 9 of 11

Deposits & Withdrawals
Policyintermediary/beneficiary bank wire transfer fees. Any Bank Wire withdrawal requests for
an amount less than the applicable Bank Wire transfer fees, there is a risk that the Client
will not receive anything because of such bank charges. You should consult with your bankfor any further information on any applicable Bank Wire transfer fees.
2.28. Furthermore, in some instances, certain card/service providers may charge commissions
on Credit/Debit card withdrawals. You should consult with your card issuer for any further
information.

C.

CONVERSION RATE OF WITHDRAWALS

2.29. Clients shall request, under all circumstances, to withdraw funds from their trading
Accounts in the currency in which the deposit was originally made. Should the deposit
currency differ from the currency in which the deposit was originally made, the Company
will convert the amount to be transferred into the currency in which the deposit was
originally made.
2.30. The conversion shall be based on the applicable conversion rate at the close of theprevious trading day on our trading platform.
2.31.

The Company will take reasonable steps to execute the currency exchange prior to closeof business on the next following Business Day but cannot be held responsible in case of
a delay due to unforeseen events.

2.32.

The Client accepts any and all charges as well as all currency fluctuations arising fromthe exchange.

3.

DORMANT ACCOUNT/INACTIVITY FEES

3.1.

Trading Accounts that are inactive for a period of more than ninety (90) calendar days
will be considered as ‘dormant’ and may be charged a recurring ‘dormant
Account/inactivity fee’ of USD EUR 22.00 /USD 20.00/ GBP 15.00 per month.

3.2.

A trading Account shall be deemed as dormant from the ninety-first (91st) calendar day
onwards that there has been no trading activity in the Account.

3.3.

In these circumstances, a monthly fee equal to USD EUR 22.00 /USD 20.00/ GBP 15.00, shallbe deducted from the Client’s Account(s) every thirty (30) calendar days, commencing
from the ninety-first (91st) calendar day that there has been no trading activity in the
trading Account, until the balance of the Client’s Account has reached zero.

3.4.

In the event that you log-on to your Account(s) and trade in your trading Account(s) inthe period during which the dormant Account/inactivity fee is being applied, we will cease
to deduct the dormant Account/inactivity fee, but we shall not be obliged to refund any‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 10 of 11

Deposits & Withdrawals
Policydormant Account/inactivity fees deducted from your Account prior to such log-on andtrading activity.
3.5.

Dormant trading Accounts with a zero free balance will be archived automatically.

_________________________‘FinPros.com’ is a domain owned and operated by ‘FinPros Financial Ltd’, a company registered in Seychelles withcompany registration number: 8429300-1, having its registered office at CT House, Office 9A, Providence, Mahé,
Seychelles. ‘FinPros Financial Ltd’ is regulated by the Financial Services Authority (‘FSA’) of Seychelles as a Securities
Dealer with License number: SD087
Page 11 of 11