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Usage of Web Credit and Income Accounts
The income account and the web credit account are two different accounts in the client area. These two accounts serve different purposes on this programme.

Withdrawal from Income Account
The Income Account is a summary of earnings from online transactions. The Account summary is captured on the dashboard of every member. A member can cash-out or withdraw from their online earnings or Income Account using the withdrawal Form. A member is not permitted to initiate a withdrawal from an account that does not belong to them.

Withdrawal from Investment Account
The Program permits members to invest in various ways as Program Financiers. The Investment Account is a summary of Investment Yields and Transfers. The Account summaries for short, medium or long term Investments are captured on the dashboard of every member. A member can cash-out or withdraw from Investment Transfer Account using the withdrawal Form.

Usage of Income Account
The Income Account is in the client area and serves unique purposes on this program. The balance of the Income Account is captured on the dashboard. The Income Account is a summary of online earnings and sales. The Income Account level increases when a member makes sales or earns revenue from any Source on the Platform. The Income Account level decreases when there is a cash-out or withdrawals by the Account holder.

Usage of Web Credit Account
The Web Credit Account is in the client area and serves unique purposes on this program. The balance of Web Credit Account is captured on the dashboard. The Web Credit Account is the e-wallet that is used to fund or pay for transactions on the Portal. It is the Account to use for trading to make more money on the Program. The credit level of e-wallet increases when Web Codes are loaded into the Account. A member can recharge or fund the e-wallet when they pay into the Bank account of the Recharge Dealer captured on the Web Code Order Form. Reduction in credit level occurs when there is payment for purchases or transactions. Kindly note that a member cannot withdraw or cash-out from this Account.

Payment for Transactions
Payments for services like SMS, advertisements, online purchases, seminar fees and other Platform Services will debit the Web Credit Account of the member. Whenever, a member takes part in the bidding transaction process, the Web Credit Account will be debited by the same amount.

Protection of Your Account
Every member owe themselves the responsibility to protect their Web Accounts from unauthorised withdrawals and transfers. The company will not be held responsible for unauthorised transfers and losses in the account of any member resulting from their negligence. The account login details of username and password should be kept private. If any compromise or unsolicited activities are suspected, the member should contact the Administrator immediately or change the password.

Security Codes for withdrawals: This security code will be required from a member to withdraw from the Income and Investment Accounts on the platform and should be protected. In cases of proxy withdrawals for non-literate persons, necessary documentation will be undertaken at the branch office nearest to the member.

Sundry Charges on Withdrawals
The submission of a withdrawal Form attracts some costs. Every member should be mindful of the structure of Finitema program that makes deductions for classified responsibilities on the program.

Referral Fee Deductions: The referral fee of 0.5% will automatically deduct from any withdrawal from the Income and Investment Accounts and credit the Income Account of the Referrer. This is the Program compensation to members who facilitate the membership build-up on the Portal.

Bank Processing Charges: Bank processing fees will be deductible from all the withdrawals initiated on the platform to offset classified Bank charges. This fee will vary to respond to banking exigencies.