Withdrawal & Refund Policy

Funds held in your account’s available balance — not committed to an active investment plan — may be withdrawn at any time, subject to identity verification and AML checks.

To initiate a withdrawal:

1. Log in to your Zavelo dashboard and navigate to Withdraw.
2. Enter the withdrawal amount (minimum $50.00 USD or equivalent).
3. Select your withdrawal method (bank transfer or cryptocurrency).
4. Confirm your identity via two-factor authentication if prompted.
5. Submit the request. You will receive an email confirmation immediately.

All withdrawals are subject to standard AML verification. For large or unusual withdrawal requests, additional documentation may be requested before processing.

When an investment plan reaches its maturity date, the principal and net return (after applicable fees) are automatically credited to your available balance. You will receive an email notification when the proceeds are credited.

Maturity proceeds credited to your available balance may be withdrawn immediately using the standard withdrawal process or reinvested in a new plan. There is no automatic reinvestment; you retain full control over how maturity proceeds are used.

Investment plans are structured with defined durations. Early redemption — withdrawing principal before the plan maturity date — may be available for certain plans, but is subject to the following:

• Early redemption eligibility is stated explicitly on the plan card at the time of subscription.
• Where permitted, an early redemption penalty of up to 5% of invested principal may apply. The exact penalty percentage is disclosed at subscription before you commit any funds.
• Accrued returns earned to the date of early redemption may be partially or fully forfeited, depending on the specific plan terms.
• Early redemption requests are processed within 5–10 business days.

Plans that do not offer early redemption will clearly state “No early redemption” on the plan card. Do not invest in these plans unless you are comfortable committing funds for the full stated duration.

Given the nature of investment products, refund eligibility is limited. The following situations may result in a refund of deposited funds:

Investment losses caused by normal market performance, plan risk materialisation, or decisions made by the account holder are not eligible for refund. All investments carry risk, as described in our Risk Disclosure.

Limits may be adjusted based on your account verification tier and transaction history. Contact support to request a limit review.