Investment Tiers

GPOD generates returns through a transparent profit-sharing model. When workers access their earned wages early, they pay a fixed transparent fee (£2.50 per transaction, regardless of amount). This fee is then shared between:

• Operations & platform costs (40%)
• Investor returns (55%)
• Impact reinvestment (5%)

This model ensures our incentives are aligned with ethical practices - we don't profit from debt, interest, or rollover fees. Returns scale with platform usage and employer adoption, creating a sustainable business model that benefits all stakeholders.

While GPOD investments are designed for the medium to long term, we understand that circumstances change. Each tier has liquidity windows and early withdrawal options:

• Starter Tier: 12-month minimum term with quarterly liquidity windows thereafter. Early withdrawals subject to a 5% fee.
• Growth Tier: 6-month minimum term with monthly liquidity windows thereafter. Early withdrawals subject to a 3% fee.
• Impact Tier: Negotiable terms with priority liquidity access and customized exit provisions.

All withdrawal requests are processed within 5-15 business days depending on the tier and amount. We maintain a healthy liquidity reserve to accommodate reasonable withdrawal requests without impacting platform operations.

GPOD investments are not covered by the Financial Services Compensation Scheme (FSCS), as is typical for most investment products outside of bank deposits. However, we implement multiple layers of protection:

• Segregated client investment accounts separate from operational funds
• Regular independent audits by recognized accounting firms
• Transparent real-time reporting on platform performance
• Diversification across thousands of individual transactions
• Conservative operational reserves to manage liquidity

As with all investments, there is risk involved, and you should only invest what you can afford to lose. We recommend consulting with a financial advisor to ensure GPOD investments align with your overall financial strategy.

GPOD measures social impact through a combination of quantitative metrics and qualitative assessments:

• Financial Wellbeing Metrics: Tracking high-cost debt avoidance, emergency fund growth, and stress reduction
• Employment Metrics: Measuring job retention, shift fulfillment, and NEET activation rates
• Worker Surveys: Regular assessments of financial confidence and quality of life improvements
• Council Verification: Independent validation of employment outcomes by partner local authorities

Our impact reporting is validated through third-party verification from Social Value UK and aligns with IRIS+ standards for impact measurement. All investors receive regular impact reports appropriate to their tier level.

Returns from GPOD investments are typically subject to income tax for UK investors. However, depending on your circumstances, there may be options to hold your investment through tax-efficient wrappers:

• ISA Eligibility: Currently not available, but we are exploring Innovative Finance ISA options
• SIPP Investments: May be eligible for certain self-invested personal pensions through appropriate structures
• Business Investment: May qualify for certain business investment reliefs depending on structure

GPOD provides annual tax statements for all investors, but we recommend consulting with your tax advisor to understand the specific implications for your personal or business tax situation.