Deposit/Withdrawal Policies
Effective date: December 23, 2023
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Welcome to TIMCO Financial! We specialize in investment programs designed to maximize your financial growth. Unlike traditional checking or savings accounts, we operate with a focus on investment opportunities aimed at optimizing returns over a time period of 18 months to 7.5 years as opposed to traditional 45-year investment 401(k) accounts. We understand that the key to successful investing lies in allowing your money the necessary time to flourish and generate significant growth.
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Investing is a deliberate and calculated process. Our programs are tailored to offer opportunities for substantial returns, backed by prudent investment strategies and meticulous risk management. Consequently, we prioritize the secure and regulated management of investment deposits and withdrawals to ensure the integrity and compliance of our programs. Please review the following guidelines:
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TAILORED INVESTMENT ACCOUNTS:
TIMCO Financial offers three fixed interest investment accounts, catering to varying investment thresholds and protecting against market fluctuations.
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Preferred:
Requires a minimum deposit of $5,000 and generates a fixed return on investment (ROI) of 1% to 1.5% weekly. This account matures in 3.5 years, and if left untouched, creates a return of $30,000 to $75,000.
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Prestige:
Requires a minimum deposit of $25,000 and generates a fixed return on investment (ROI) of 1.5% to 2% weekly. This account matures in 2.5 years, and if left untouched, creates a return of $173,000 to $328,000.
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Platinum:
Requires a minimum deposit of $100,000 and generates a fixed return on investment (ROI) of 2% to 2.5% weekly. This account matures in 1.5 years, and if left untouched, creates a return of $468,000 to $686,000.
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Maturity Guidelines:
At the end of each account term, daily interest earned will cease to accumulate. Account Holders have the option to withdraw, reinvest and/or upgrade to higher ROI-generating investment accounts within TIMCO Financial platforms.
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DEPOSITS:
Account Holders may upgrade their account within the first 90 days of opening an account by adding funds to their initial deposit. (Example: A Preferred Account may be upgraded to a Prestige Account by adding funds equal to the minimum $25,000 required, etc.) All deposits must be made utilizing official TIMCO Financial® Deposit forms supplied on this website. After 90 days, the account is locked at the level of its current deposits. Any funds added thereafter will accrue ROI at the current investment level of the account.
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Payroll Withholding Direct Deposit:
Account Holders have the convenient option to contribute to their Investment Accounts through automatic payroll deduction and direct deposit, similar to traditional 401(k) contribution methods. With employer authorization, a designated portion of each paycheck can be withheld and securely deposited into the Account on a recurring basis. This seamless process promotes consistent investing, removes the burden of manual transfers, and helps build long-term financial momentum with minimal effort. Access to employer authorization forms are included in this website.
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Deposit/ROI Timeline:
Following a deposit, the generation of ROI commences on Mondays. Allow 7-14 days for processing. Deposits received during the last week of the month will initiate ROI generation on the first Monday of the following month.
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WITHDRAWALS:
TIMCO Financial® is NOT a checking account. It is designed for investments with a focus on fostering financial growth potential over stated periods of time. We adhere to a strategy that limits withdrawals to ensure optimal returns on your investment. As such, cash-out withdrawals are only permitted at the end of any given investment term.
Withdrawal Caps:
Interim term withdrawals of up to 7% of interest earned in the previous month are subject to approval before disbursement. However, penalties are incurred as stated below.
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Withdrawal Requests:
Withdrawal requests must follow withdrawal guidelines as stated herein and must be submitted between the 1st and the 5th of the month on official TIMCO Financial® Withdrawal forms found in this website.
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Processing Timeframe:
Please note that due to rigorous regulatory compliance measures, including oversight by federal entities for anti-money-laundering laws and protocol reviews, withdrawal requests will be processed in 45-60 business days unless otherwise delayed by Federal regulatory processes. (Note: Withdrawal requests of larger amounts may require longer processing time.) Once withdrawal funds are processed and received by the Account Holder, a waiting period of 180 business days will be required prior to another withdrawal request within the duration of your investment account term.
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Penalty for Non-Compliant Withdrawals:
Premature withdrawals made outside the stipulated investment term of any given Account will incur a penalty. Any withdrawal request that does not align with this specified criteria outlined will result in a penalty equivalent to 30% of the withdrawn amount along with corresponding transaction fees of 15%. Withdrawals made at the conclusion of stipulated investment terms will not incur the 30% penalty, but will be subject to the corresponding 15% transaction fee.​
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NOTE: Withdrawals made prior to the completion of your investment term will forfeit the stated compounded returns and alter the performance of your account. TIMCO Financial is not liable for diminished outcomes resulting from early access, adjustments, or modifications to invested funds during the designated term. Transaction fees do apply for all withdrawn funds.
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CASHING OUT AT THE END OF TERM:
​At the conclusion of a stated investment term, ROI will cease to accrue on the official stated end date of the Account. Because account statements are distributed one month in arrears, the final balance in the Account will not be known until the concluding statement is issued—up to 30 days following the end date.
Once the final statement is received by the Account Holder and the ending balance is confirmed, a Withdrawal Request must be initiated by the Account Holder using the designated form available on this website. Withdrawal requests are accepted only between the 1st and 5th of any given month and require 45 to 60 business days from the date of submission for full processing and distribution of the withdrawal.
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CANCELLATIONS:
​Account Holders may cancel their account within three (3) calendar days of account opening without penalty. Written notice of cancellation must be received within this period to qualify for a refund of the initial deposit minus a 20% administration fee. Transaction fees do not apply.
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After 3 days, an account is considered 'established' and funds are then locked into the investment platform chosen by the Account Holder. An established Account cancelled before the maturity date either by the Account Holder or by TIMCO Financial will receive a full refund of their initial investment minus a 30% early cancellation/withdrawal fee plus a 15% transaction fee OR the Account can be locked until the end of the stated term and deposit funds withdrawn at that time without the cancellation penalty. Interest earned (ROI) will cease on the date of cancellation and all interest earned (ROI) to that date is forfeited. ​
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​MONTHLY STATEMENTS:
Comprehensive monthly account statements are distributed one month in arrears on or before the last day of the month. (Example: Transactions occurring in January are released by the end of February.) Transparent and detailed reports showcase investment transactions and accrued ROI, along with Account Holder information and communications.
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COOL DOWN PERIODS:
TIMCO Financial reserves the right to initiate a "cool down" period without notice, causing suspension of the ROI to allow amortization of the account. This is necessary to recalibrate our systems for optimum efficiency and return on your investment. A Cool Down period lasts one calendar month. Every effort will be given to allow sufficient notice, but is determined at the sole discretion of TIMCO Financial.
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AUTHORIZATIONS:
​Due to the Privacy Act and to safeguard personal information of our Clients from being compromised, TIMCO Financial does not and will not allow any one to speak, transact or inquire into any other person's account. Only registered Account Holders may speak to their account unless the Account Holder adds such authorized persons to their account. Failure to comply will result in the cancellation of all accounts involved without accrual of ROI. A 20% cancellation fee will apply as stated herein.
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​​​​​TIMCO Financial is committed to upholding the highest standards of regulatory compliance and security measures to safeguard our investors' interests. By adhering to these deposit and withdrawal policies, we aim to ensure a transparent and secure process for all our clients. Our commitment is to assist you in navigating the dynamic world of investments while focusing on long-term financial success.
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For any inquiries or assistance regarding withdrawals, please contact our support team at [admin@TIMCOFinancial.com].
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