Updated 20th December 2025
1. Purpose
This Refund Policy explains the circumstances under which refunds may be issued for funds deposited into your Marginal Capital account or for investment plans purchased.
2. No Guarantee on Trading Losses
Except where a plan explicitly provides for an insurance mechanism (e.g., 80% capital protection for covered plans), no refunds will be issued for losses resulting from market performance or investment activities.
3. Insured Investment Plans
For plans with capital protection:
- Refunds up to the specified percentage of principal may be issued where losses occur.
- Claims must be submitted in writing within 30 days from end of plan cycle.
- Verification and settlement will be completed within 45 days of receipt of a valid claim.
4. Cancellation Rights
You may cancel a plan purchase within a specified cooling‑off period as expressly stated at point of sale, provided no trading activity has commenced.
5. Refund Methods
Approved refunds will be issued via the same Mobile Money or Orange Money account used for the original deposit.
6. Dispute Resolution
Disagreements over refunds should be submitted in writing to our support department; unresolved disputes may be escalated to arbitration in accordance with these Terms.