Withdrawal policy

This policy governs every withdrawal from a Bright Portmantage account. It is written to match the deposit and withdrawal methods page exactly: same methods, same timelines, same fees. By requesting a withdrawal you accept the terms below.

1

Introduction and your agreement

Withdrawals are how your money returns to you, so this policy errs toward precision. It covers the available methods, processing timelines, fees, limits, the checks that apply and the situations in which a request can be delayed or declined. When you submit a withdrawal request, you confirm that the destination details are yours and correct, and that you accept this policy as published on this page.

2

Available withdrawal methods

Withdrawals run to Canadian destinations by the routes you used to fund the account: Interac e-Transfer to your registered email or phone, Electronic Funds Transfer to your Canadian bank account, refunds to the original Visa or Mastercard where the issuer supports them, and PayPal to the same wallet used for the deposit. Crypto wallet withdrawals, where offered on an account, always require address allow-listing set up in advance inside the platform.

3

Processing timelines

Approved requests leave the platform the same business day they clear checks. From there, the method decides arrival: Interac e-Transfer normally within 24 hours, bank transfer 1–3 business days, card refunds 1–5 business days, and PayPal normally within 24 hours. Delays beyond our control, issuer schedules, provider cut-off times, public holidays, extend the clock; a holiday Monday pauses every route, and we cannot promise around it.

4

Fees and charges

We charge no withdrawal fee on any supported method. Costs that can appear are third-party ones: an asset's network fee on crypto transfers, a payment provider's charge on a specific channel, or a conversion cost when the destination currency differs from your account currency. Where any such cost applies, it is displayed with the amount you will actually receive before you confirm the request.

5

Limits

The minimum per request is $50 CAD. There is no fixed maximum; requests significantly larger than your account's usual activity may be split into tranches for security review, with each tranque communicated to you before processing. Daily and monthly ceilings, where applied to an account, are visible in your account settings with the reason stated.

6

KYC and AML checks

Withdrawals require completed identity verification, and they are part of the platform's ongoing monitoring described in the AML / KYC policy. Documents you have already provided normally suffice. Enhanced checks apply when the destination differs from the deposit route, when a request falls outside your established pattern, or when monitoring flags activity for review; in those cases the withdrawal pauses until the check completes, and you are told what is needed.

7

Reasons for delay or refusal

A request can be held or declined for: mismatched or missing beneficiary details; documents that are expired, unreadable or inconsistent; an incomplete enhanced-due-diligence file; monitoring alerts under AML rules; unresolved disputes or complaints touching the balance; technical or regulatory causes, such as a provider outage or a legal restriction on the destination. Every hold states its reason and what will release it, in writing to your registered email.

8

Your responsibility

Account and payment details must be complete, current and in your own name. A withdrawal sent to correct details you provided, and confirmed by the receiving institution, cannot be recalled by us. Update your bank, card and wallet records in the platform before requesting, and report a mistake immediately: speed is the only lever anyone has once funds are in transit.

9

Cancelling or changing a request

While a request is still marked "pending" in your account, you can cancel or edit it yourself, instantly and without cost. Once processing begins, the request can no longer be modified; it must complete, and a new request can be made afterwards. If you cancel by mistake, simply submit a fresh one, there is no penalty and no limit on request frequency.

10

Support

For withdrawal status, errors or questions, write to [email protected] with the subject "Withdrawal". First response is within one business hour during Monday to Friday, 9:00–17:30 ET (excluding public holidays), and pending-withdrawal questions are prioritized on the queue. Have the request reference from your transaction history at hand; it answers half the question before you write.

11

Policy updates

This policy can change as methods, providers or regulations do. Updates take effect when published on this page, and changes that affect timelines, limits or fees are announced on the site and by email to registered clients before they apply. The methods table it must always match is maintained on the deposit and withdrawal methods page; where the two ever disagreed, that page's current numbers govern.