Revised: November 8, 2024

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By participating in TIMCO Financial's Investment Accounts, (“Account”) you are agreeing to be bound by the following terms and conditions (“Terms of Service”).

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TIMCO Financial reserves the right to update and change these Terms of Service from time to time without notice. Any new features that augment or enhance the current Accounts, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Accounts after any such changes shall constitute your consent to such change.

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Violation of any of the terms below will result in the termination of your Account and forfeiture of any outstanding earnings payments earned during the violation. You agree to use the TIMCO Financial Investment Account at your own risk.

 

1. ACCOUNT TERMS OF SERVICE

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• Anyone under the age of 18 years must have written parental/guardian consent to be part of an Account.

• You must be a human. Accounts registered by “bots” or other automated methods are not permitted.

• You must provide your legal full name, a valid email address, and any other information requested in order to complete the signup process.

• Your login may only be used by one person – a single login shared by multiple people is not permitted.

• You are responsible for maintaining the security of your account and password. TIMCO Financial cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

• You may not use the TIMCO Financial Account for any illegal or unauthorized purpose. You must not, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). 

• You may not use the TIMCO Financial Investment Account to earn money on your own investment product accounts.

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2. ACCOUNT HOLDER DEFINITION

 

People who invest through our Investment Accounts will be deemed to be Account Holders. Accordingly, all of our rules, policies, and operating procedures concerning customer orders, customer service, and product sales will apply to those Account Holders. We may change our policies and operating procedures at any time. For example, we will determine the prices to be charged for products sold under our Accounts in accordance with our own pricing policies. Product prices and availability may vary from time to time. We will use commercially reasonable efforts to present accurate information, but we cannot guarantee the availability or price of any particular product.

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3. ACCOUNTS AND RETURN ON INVESTMENT (ROI)

 

We are committed to providing generous returns on investment, ensuring that your efforts are duly recognized and compensated.

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We currently offer three investment Accounts: 

• PREFERRED: Requires a minimum investment of $5,000 with a term of 3.5 years and ROI of 1% to 1.5% weekly. Yield = $30,000 to $75,000.

• PRESTIGE: Requires a minimum investment of $25,000 with a term of 2.5 years and ROI of 1.5% to 2% weekly. Yield = $173,000 to $328,000.

• PLATINUM: Requires a minimum investment of $100,000 with a term of 1.5 years and ROI of 2% to 2.5% weekly. Yield = $468,000 to $686,000.

Following your initial investment, a very generous return on investment will be paid to your Account weekly, allowing you to reap the benefits of your commitment and contribution. At the completion of any given term, you may withdraw your funds, roll them into the next Account or split your funds to open multiple Accounts. 

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4. JOINT OR SHARED ACCOUNTS

 

If two or more people come together and pool resources to open an Investment Account, that Account will be considered to be a single Business Account. TIMCO Financial will communicate with a designated spokesperson or primary of the Account and not with each Account Holder individually. The return on that investment (ROI) will be paid to the joint Account weekly and based on the balance in that single  Business Account. It is incumbent upon the Holders of the Account to share information and funds as per their Shared Agreement. However, each person in the Shared Account is responsible for an individual monthly Broker Fee of $99.99 (plus a 3.9% processing fee for a total of $103.89). This fee will be automatically drafted from each Shared Member's card on file on the 26th day of each month. 

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5. DEPOSITS AND WITHDRAWALS

 

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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DEPOSITS:

Account Holders may add funds to the account at any time utilizing official TIMCO Financial® Deposit forms supplied to them on this website.

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Deposit/ROI Timeline:

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:

This account is designed for investments with a focus on fostering financial growth potential over stated periods of time. TIMCO Financial® does not function as a checking account; instead, we encourage a strategy that limits frequent withdrawals to ensure optimal returns on your investment.

 

Withdrawal Caps:

Withdrawals of up to 7% of interest earned in the previous month are permitted, subject to  approval before disbursement.

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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 additional processing time.)

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Penalty for Non-Compliant Withdrawals:

Premature withdrawals made outside the stipulated guidelines mentioned in this withdrawal policy will incur a penalty. Any withdrawal request that does not align with the specified criteria outlined here will result in a penalty equivalent to 30% of the withdrawn amount along with corresponding transaction fees of 10%. Withdrawals made within the stipulated guidelines will not incur the 30% penalty, but will be subject to the corresponding 10% transaction fee.

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Frequency of Withdrawals:

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 to avoid the early withdrawal penalty fee of 30%.

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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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​6. REFERRAL FEES/COMMISSIONS/PAYMENT

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 We reward you for referring new Accounts to TIMCO Financial with commissions for people you personally refer and a 50% matching bonus for anyone they refer. Commissions are paid according to the current commission schedule, which may be adjusted periodically and without prior notice. Commissions are earned solely on funds deposited by account holders or referred clients. Under no circumstances will commissions be paid on funds deposited by the company on behalf of any account holder..​

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Payments for referral fees, commissions, and bonuses will be processed in a timely manner, and paid weekly ensuring you receive the financial rewards you deserve. All referrals resulting in new open Accounts by 11:59 pm CST on any given Thursday will be paid on Friday the week following (8-day payout). We utilize a direct deposit payment system to deliver your earnings, providing transparency and peace of mind.

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​7. PAYMENT SCHEDULE

 

We are dedicated to fostering a fair and transparent ecosystem, and our fee structure is designed to reflect that commitment. We believe in providing our Account Holders with a clear understanding of the costs associated with investment transactions, empowering you to make sound financial choices and seize the opportunities presented by TIMCO Financial.

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It’s incumbent upon you to be aware of the fees associated with every transaction, including both purchases and sales of investments. When transacting, you are responsible for covering the applicable fees incurred during the transaction designed to support the smooth and secure operation of our platform. While the specific fee structure may vary based on the transaction size and market conditions, rest assured that we strive to maintain transparency in our fee policies. It’s essential to consider these fees when calculating your investment and potential returns.

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As a TIMCO Financial Account Holder, it is essential to maintain a valid credit card on file for seamless transactions and uninterrupted access to our Account benefits and cryptocurrency. 

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TIMCO Financial, Inc. retains the right at our discretion to adjust prices and fees associated with our investment Accounts without prior notice. We understand that the market is dynamic and subject to fluctuations, and as such, we may need to adapt our pricing structure to reflect current market conditions and ensure the sustainability of our Accounts. We recommend regularly reviewing our website and communication channels for any updates or announcements regarding pricing and fee adjustments.

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8. BROKERAGE FEES AND PAYMENT

 

Brokerage services demand brokerage fees. Rather than charging fees pursuant to a high percentage of your deposits, we choose to charge a low monthly fee of $99.99 for brokerage services. This fee is due on the 26th of each month and must be received in our offices prior to the 1st of each month to pay the broker services. The fee will be auto drafted from a credit/debit card you place on file in our offices on the 26th day of each month. A 3.9% processing fee will apply and will be drafted with the brokerage fee for a total monthly draft of $103.89.

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If a draft attempt is unsuccessful, a late fee of $35 will be immediately applied, with a second draft attempt made the following day. If the second attempt is also unsuccessful, the account will be suspended from ROI activity until all unpaid fees are paid in full. Accounts that remain suspended for more than 30 days due to unpaid fees are subject to immediate cancellation. In the event of cancellation, any funds personally deposited by the account holder will remain in the account pending reinstatement of the account. However, all funds accrued from ROI activity will be forfeited.

 

It is important to note that this is an ROI eligibility criterion of our accounts. Timely payment of this fee is crucial for the continuous accrual of your return on investment (ROI). 

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9. MATCHING FUNDS

 

Account holders utilizing TIMCO Matching Funds are subject to the terms outlined in the corresponding Term Sheet issued at the time of the loan, as well as the policies outlined herein. Loan payments are due monthly on the 26th of each month, with payments considered late on the 27th. Interest rates are specified in the Term Sheet, and the loan term aligns with the account term. Loan payments are auto-drafted from the credit card on file and are in addition to the monthly broker fees, which are also due on the 26th. Non-payment of either the loan payment or broker fee may result in suspension or cancellation of the loan and/or account. Failure to make monthly payments as agreed may trigger loan acceleration, in which case the full balance of the loan may become immediately due. If the account holder is unable to meet an acceleration demand, the loan may be canceled, and any previous payments made will be added to the actual deposits in the account. Subsequently, the account will be downgraded to a level consistent with the account holder's actual deposits on record.

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10. ACCOUNT STATEMENTS

Comprehensive monthly account statements are distributed one month in arrears on 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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11. COOL DOWN PERIODS

 

TIMCO Financial reserves the right to initiate a "cool down" period without notice, causing suspension of the ROI at our discretion to allow amortization of the account. 

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12. ZERO TOLERANCE POLICY

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At TIMCO Financial, we prioritize the integrity and security of our customers' accounts and information. Unauthorized complaints and concerns being raised by individuals who are not authorized to act on behalf of others will be dealt with swiftly and decisively to ensure the continued trust and integrity of TIMCO Financial. The following Zero Tolerance Policy is in effect:

• UNAUTHORIZED ACCOUNT DISCUSSIONS: Due to the Privacy Act and to safeguard personal information of our Account Holders from being compromised, TIMCO Financial does not and will not allow anyone 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 in writing and approved by TIMCO Financial. 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.

• ONLINE REVIEWS AND PUBLIC COMMENTS: Negative reviews posted online citing financial account issues and/or involving other customers are deemed a violation of financial protection laws and TIMCO Financial policies. Our Zero-Tolerance Policy towards slander or degradation in public forums is hereby prohibited.

• LIBEL AND SLANDER: We consider any form of libel or slander against our company, our name, or our integrity as a serious offense. It undermines our mission and hampers our ability to serve our customers effectively. To protect our reputation, we will actively monitor various platforms, including social media, review websites, and public forums, to safeguard against any unwarranted attacks.

We are committed to maintaining a respectful and secure environment for all our customers. Failure to comply with this policy will result in the immediate cancellation of investment accounts for all parties involved.
 

 

13. COMPLIANCE WITH LAWS

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As a condition to your participation in a TIMCO Financial Investment Account, you agree that while you are an Account Holder,  you will comply with all laws, ordinances, rules, regulations, orders, licenses, permits, judgments, decisions or other requirements of any governmental authority that has jurisdiction over you, whether those laws, etc. are now in effect or later come into effect during the time you are an Account Holder. Without limiting the foregoing obligation, you agree that as a condition of your participation as an Account Holder, you will comply with all applicable laws (federal, state or otherwise) that govern marketing email, including without limitation, the CAN-SPAM Act of 2003 and all other anti-spam laws.

 

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14. PUBLICITY AND PROMOTION

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TIMCO Financial, Inc.  reserves the right to promote, advertise and otherwise market our services as deemed necessary or prudent, including the use of comments, testimonials, videos, photographs and communications received from our Account Holders in the process of our Accounts. No compensation shall be due or warranted from such promotion. You hereby acknowledge understanding, release, indemnify, discharge liability, hold harmless and otherwise grant permission for such promotion deemed necessary by TIMCO Financial, Inc.

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15. IDENTIFYING YOURSELF AS A TIMCO FINANCIAL ACCOUNT HOLDER

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You may not issue any press release with respect to this Agreement or your participation in the Investment Accounts; such action may result in cancellation of your Account. In addition, you may not in any manner misrepresent or embellish the relationship between us and you, say you develop our products, say you are part of TIMCO Financial or express or imply any relationship or affiliation between us and you or any other person or entity except as expressly permitted by this Agreement (including by expressing or implying that we support, sponsor, endorse, or contribute money to any charity or other cause).

 

 

16. TERM OF THE AGREEMENT AND ACCOUNT

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The term of this Agreement will begin upon our acceptance of your initial Investment Deposit and will end at the conclusion of the stated Account term or when terminated by either party. Either you or we may terminate this Agreement at any time, with or without cause, by giving the other party written notice of termination. Upon the termination of this Agreement for any reason, you will immediately cease use of, and remove from your technology, all links to https://TIMCOFinancial.com, and all of our trademarks, trade dress, and logos, and all other materials provided by or on behalf of us to you pursuant hereto or in connection with the Program. TIMCO Financial reserves the right to end the Accounts at any time. Upon such termination, TIMCO Financial will pay any outstanding earnings accrued minus fees due.

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17. CANCELLATION/TERMINATION

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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 7.5 year time period 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.

 

You have the right to cancel your TIMCO Financial Account at any time. Once an account has been cancelled before the maturity date either by the Account Holder or by TIMCO Financial, you will receive a full refund of your initial investment minus a 20% early cancellation fee. All interest earned (ROI) is forfeited. 

 

TIMCO Financial, in its sole discretion, has the right to suspend or terminate your account and refuse any and all current or future use of the Investment Account, or any other TIMCO Financial service, for any reason at any time. Such termination of the Service will result in the deactivation or deletion of your Account or your access to your Account, and the forfeiture and relinquishment of all potential or to-be-paid earnings in your Account if they were earned through fraudulent, illegal, or overly aggressive, questionable sales or marketing methods. TIMCO Financial reserves the right to refuse service to anyone for any reason at any time.

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18. RELATIONSHIP OF PARTIES

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You and we are independent contractors, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. You will have no authority to make or accept any offers or representations on our behalf. You will not make any statement, whether on your site or otherwise, that reasonably would contradict anything in this Section.

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19. LIMITATIONS OF LIABILITY

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We will not be liable for indirect, special, or consequential damages (or any loss of revenue, profits, or data) arising in connection with this Agreement or the Investment Accounts, even if we have been advised of the possibility of such damages. Further, our aggregate liability arising with respect to this Agreement and the Investment Account will not exceed the total fees paid or payable to you under this Agreement.

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20. DISCLAIMERS

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We make no express or implied warranties or representations with respect to the Accounts or any products sold through the Investment Accounts (including, without limitation, warranties of fitness, merchantability, noninfringement, or any implied warranties arising out of a course of performance, dealing, or trade usage). In addition, we make no representation that the operation of TIMCO Financial will be uninterrupted or error-free, and we will not be liable for the consequences of any interruptions or errors.

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21. INDEPENDENT INVESTIGATION

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YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND AGREE TO ALL ITS TERMS AND CONDITIONS. YOU UNDERSTAND THAT WE MAY AT ANY TIME (DIRECTLY OR INDIRECTLY) SOLICIT CUSTOMER REFERRALS ON TERMS THAT MAY DIFFER FROM THOSE CONTAINED IN THIS AGREEMENT OR OPERATE WEB SITES THAT ARE SIMILAR TO OR COMPETE WITH YOUR WEB SITE. YOU HAVE INDEPENDENTLY EVALUATED THE DESIRABILITY OF PARTICIPATING IN THE PROGRAM AND ARE NOT RELYING ON ANY REPRESENTATION, GUARANTEE, OR STATEMENT OTHER THAN AS SET FORTH IN THIS AGREEMENT.

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22. ARBITRATION

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Any dispute, controversy, or claim arising out of or relating to this agreement, including the breach, termination, or validity thereof, shall be resolved exclusively through binding arbitration. The arbitration shall be conducted in accordance with the rules of the [chosen arbitration organization, e.g., American Arbitration Association], and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The parties agree to waive any right to a trial by jury or to participate in a class action.

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Governing Law: This agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. The parties agree that any arbitration or legal proceedings arising out of or relating to this agreement shall be conducted in Florida.

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23. MISCELLANEOUS

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This Agreement will be governed by the laws of The United States, without reference to rules governing choice of laws. You may not assign this Agreement, by operation of law or otherwise, without our prior written consent. Subject to that restriction, this Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Our failure to enforce your strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this Agreement.

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These Terms of Service constitute the entire agreement between you and TIMCO Financial and govern your use of the Service, superseding any prior agreements between you and TIMCO Financial (including, but not limited to, any prior versions of the Terms of Service).

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