TopFinancial Frequently Asked Questions

TopFinancial offers introductory answers to frequently asked questions about our company, products and much more. Questions and answers are divided by group. Click on a question heading below to view answers relating to your query.

General

What is TopFinancial?
How can I check company background information?
Is there any risk involved?
How secure is my personal information?
What is Secure Sockets Layer (SSL) technology?

Opening and Funding Your TopFinancial Account

How can I open an account with TopFinancial?
How much does it cost to open an account with TopFinancial?
Am I allowed to have multiple TopFinancial accounts?
I do not have a Liberty Reserve or a Perfect Money account yet. Can I still open an account with you and add my Liberty Reserve/Perfect Money account later?
How do I fund my TopFinancial account?
I am not familiar with E-Currency. What is it?
What is Liberty Reserve?
What is Perfect Money?
What is the minimum/maximum I can invest?
I would like to increase my investment. Can I make additional deposits?

Interest Payments

When do you pay interest?
What is a business day?
What holidays do you observe?
Are interest rates fixed or variable?
What investment plans do you offer?
How often can I change my TopFinancial investment plan?
What does it cost to change my investment plan?
Can I upgrade from investment level 1 to investment level 2 by compounding my interest or do I have to deposit the required amount to be upgraded to investment level 2?
When can I withdraw my interest?
Do I get my principal amount back?
How can I calculate the return on my investment?
I plan on making a significant investment. What amount will qualify for the VIP investment level?
I have already invested with you via Liberty Reserve, but would like to make an additional deposit via another e-currency, namely, Perfect Money. How do you distribute the daily interest I earn between the e-currencies in such a case?

Deposits

How can I make a deposit into my TopFinancial account?
Can I make additional deposits at any time?
Are additional deposits into the same account treated separately or are they simply added to the current account principal?
Can I have separate compounding settings for separate deposits in the same account?
What is the minimum deposit requirement?
Is there a maximum deposit limit?
I plan on making a significant investment. What amount will qualify for the VIP investment level?

Withdrawals

How can I withdraw funds from my TopFinancial account?
What is the minimum withdrawal amount requirement?
How often do you process withdrawal requests?
How frequently can I withdraw funds from my TopFinancial account?
When can I withdraw my interest?
When can I get my account principal amount back?
I am compounding my interest. When will the compounded interest be available for withdrawal?

Bank Wire Transfers

What is the minimum amount requirement if I want to deposit using the bank wire transfer facility?
How do I make a deposit using the bank wire transfer?
What is the Bank Wire ID that I can see in the Account Summary page of my account?
How do you calculate and credit the interest I earn on my bank wire deposit(s)?
Can I withdraw interest using the bank wire transfer?
Do you charge any fees on bank wire withdrawals?
When do you process bank wire transfer withdrawals?
How long does it normally take for the bank wire transfer to reach my bank account?
I wired the funds to you several days ago. My TopFinancial account has not been credited with the wired amount yet. What do I do to fix this problem?

Referral Program and Advertising

What is a 3-level referral program?
What referral commissions do you pay?
What is my Referral ID and my Personal Referral Link?
How do I get my Referral ID and Personal Referral Link?
What do I do with my Referral ID and Personal Referral Link?
How often can I use my Referral ID and Personal Referral Link?
I have referred a few new people already, but have not received referral commissions yet. What is the problem?
I have referred a friend of mine, but I cannot see him in my Referrals list. How can I fix this?
Do you pay referral commissions on all deposits made by referrals?
When will the referral commission be credited to my TopFinancial account?
Can I view the details of my referrals?
Can I refer myself?
Can I refer family and friends?
I have a blog and would like to advertise TopFinancial on it. Can you provide me with your advertising banners?
Are there any restrictions regarding advertising for TopFinancial?
I plan to advertise TopFinancial in my local community through a local web source and newspaper. Can I expect you to cover at least some part of the advertising costs?
I only have a Liberty Reserve account, but one of my referrals has made a deposit using Perfect Money and my referral commission was credited to the Available Balance (PM) in my TopFinancial account. Is there any way I can get this commission paid into my Liberty Reserve account?
Can I refer others and earn referral commissions without making a deposit into my account?

Compounding

What is compounding?
What is simple compounding?
What is advanced compounding?
I have used the compounding calculator on your website to compute my would-be returns. On entering a significant account principal amount and using 100% compounding option, I got the message stating that the compounding option will no longer be available once your account principal reaches $300,000.00 mark. Is that the case?
I plan on depositing an amount sufficient to qualify for the VIP investment plan. Will the compounding option still be available to me?
I have been compounding my interest for some time. Will my account switch to the VIP investment level once it reaches the VIP investment level minimum requirement?

Account Profile and Account Management

I've forgotten my TopFinancial account password. How do I reset it?
I can't remember my Login ID. How do I recover it?
How can I change the password for my TopFinancial account?
How do I update the Liberty Reserve or Perfect Money account on my account profile?
I currently do not have a Liberty Reserve and a Perfect Money account in my account profile. How do I add them?
How do I change the contact email address listed in my account profile?

Account Security

I have received an email from you that asks me to click on the link and verify my Login ID and password. Did this email come from you?
How do I keep my computer free from viruses and hazardous spyware?
One of my bank account has recently been broken into. What can I do to make sure my TopFinancial account remains secure?
Is it okay to use the same password for my TopFinancial and email accounts?

Should you have any further questions, please consult our customer service.

TopFinancial Frequently Asked Questions