FAQ

Investment Account


Who can invest in Common Sense Investment Group?

***You must first become a member of CISC to make an investment. Unlike the many so called Non Hyips today, CISC is not looking for every Tom, Dick and Harry to join with its investment opportunity. We are only looking for the few serious selected group of folks to join with our club

Note*** Its on a first come first serve formula and investment window is shut soon as we hit the $60,000 for this particular project.We can re-open later when we have other investment opportunity that calls for investor's attention.


How do I open an account?
Opening an account with us is easy and absolutely free. Download and  simply  fill out the Registration form. Scan and email back to commonsense12@earthlink.net.  See more full detail at the Getting Started Page

Q. When did the investment club start?
A. The club started in Dec 2008 as a division of Paymasters De Change LTD, incorporated in 2007.

Q. How much returns am I entitled to on my investments?
A. You are entitled to returns (i.e payments) after every 3 months within the investment year, with a maximum of $1,200 on a single invested fund of $500 while an investment of $1,000 will yield a maximum of $2000

Q. Can I have multiple investments of $500?
A. No, you can only have one investment of $500 at a time  any other subsequent investment you make must be of $1,000 and above.  If you intend to have another $500 investment, you will have to wait till your current $500 investment runs out/get to 3rd collection.  If we find out that you have more than one $500 investment plan, you will be automatically terminated.

Q. Where do you take your profits?
A. We take our profits by speculating and investing in viable online investments in Oil and Gas, Currency trading and Real Estate etc.

Q. How often do you pay the returns?
A. You will receive your first payment on next day after the completion of the 3 months. Weekend exempted

Q.  When do my investments start to count?
A  Your initial investments starts to count after 1 week of your investment, this is to allow us to convert your Fund to our digital currency. 

Q. If I make a deposit, how do you pay me then?
A. Interests or principal are withdrawn the same way you deposit funds. To withdraw funds from CISC, simply submit your withdrawal request to us through admins@earthlink.net and it will be processed within 48Hrs.

Q. Can I make additional investments?
A. Yes, you can. You can make additional investments at any time and as many times as you would like provided such new investments are made afresh (i.e new forms are filled).

Q. Can I change/swap my investment/compensation plan within my investment year? 
A. No, every plan runs for a year.  If you desire to invest more, then you have to start a new investment plan.  You cannot also transfer investment from one member to the other.  If you are no longer interested the termination rule applies.

Q. What are the minimum and maximum amounts that I can invest?
A. The minimum is $500, while maximum investment is in multiples of $500.

Q. Can I get back my principal?
A. No you cannot, your principal is a sunk cost i.e  INVESTED

Q. How many times am I entitled to returns on my principal?
A. You will be entitled to returns (i.e payments) after every 3 months within the investment year, which is a maximum of 4 times only in a year and your investment gets terminated.

Q. After my 4th collection, is there any other collection?
A. Absolutely none, you are entitled to a maximum  of 4 times collection  in a year and your investment gets terminated.

How can we offer you the guarantee?
The most important aspect of our investments, which range from low, medium to high returns are based on the fact that our principal investment is always guaranteed.If we did not have this in place, we would not feel comfortable with our money sitting in various investments - large sums usually make anyone cautious and a bit shaky around the knees

Do I get my initial investment back?
NO you don't get your principal back, because your principal has been invested.

Can I loose money?
Yes, there is risk involved with every investment program.  If your investment is terminated before our agreed one year term then you will suffer loss on your principal.  Also, you may loose money if the club suffers a major financial misfortune, in such a case payout to members may be affected.  However, there are a few simple ways you can help reduce this risk.

Firstly, align your investments with your financial goals, in other words, keep money you may need for the short-term out of more aggressive investments, reserving those investment funds for the money you intend to grow over the long-term.

Secondly, by not investing more than what you can afford to loose.  It's very important for you to know that we are real investors and that we invest members funds on major investments.

Lastly, do not go borrowing just to be a member of the club and DO NOT invest what you cannot afford to loose.

Termination of investment

Members CANNOT terminate their investment before one year except in extreme cases that can only be determined by the club and in such a case the member would collect his/her principal less 10% (i.e you will collect $450 if you are on $500 plan or $900 if you are on $1,000 plan and if your investment is less than 3 months or you have not collected your 1st payment). 

What happens to my investment in the event of the closure of the club?
In the event of closure of the club via unforeseen circumstances beyond the club's control.  Members would be entitled to receive back a maximum of $400 per investment of $500 i.e if the member's investment is less than 3 months old but if the investment is 6 months and above nothing would be paid.

Are there any other deductions from my earnings?
No there are not!

What do I do when I have a dispute with the club?
In the event of a dispute, the club rules and regulations would be applied.  Please always endeavor to study the updated club rules and agreements on our website before/when aggrieved to resolve disputes.  There would not  be need for a third party intervention if we abide by these rules.


Violation of Terms & Agreements
1) Rules violators will be immediately and permanently removed from the system without refund.
2) Violation of these rules and agreements/terms and; agreements by club members may cause civil and\or criminal suit.

Changes in Terms and; Agreements
CISC club reserve the right to change the rules and agreements/terms & agreements at any time and without notice.  Members agree to view the current rules and regulations/terms & agreements carefully and periodically.

PS  Please don't join this club if you're not willing to invest for a minimum of one year or if you're looking for another "get rich quick" or "money doubling"  scheme.  That's not what we are all about,  we are about helping you achieve financial success via online business opportunities.


Referral Program

What is a Referral program and how does it work?
Referral program is an easy way to earn extra by appealing to our project new users. You may invite your relatives, friends, colleagues and any other people who, in your opinion, could be interested in our service.
We give you 3% Commission on every deposit made by your referral and you can earn the referral bonus without making any deposits into your program.

Do I have to pay taxes?
Our company is registered in an offshore zone to minimize tax load on both our own capital and our clients' funds. Therefore, all the profits, earned by us and redistributed to clients - have been earned in the offshore zone. Regarding tax payment by clients in the countries of their residence, we would only like to inform that our company, taking care of your confidentiality, does not disclose any data as for its clients' earnings to tax bodies anywhere in the world.