Beware! ImproFunds has stopped paying! Do not invest there!

Hi everybody! I know a lot of people, myself included, were hopeful of an industry revival in September, a sort of annual event at this stage like the changing of the seasons after the annual summer slowdown which it has to be said this year wasn’t helped by the LibertyReserve closure in May. This expected revival might be a couple of weeks early (I can’t be sure, but fingers crossed) as it looks like I’ll have a very busy couple of days coming up on MNO with the number of new programs signing up to be listed on my monitor recently. I’m going to be looking at them in more detail for your over the coming days, but would like to continue with the new batch this evening with one called ImproFunds. Given that it’s a shorter term higher interest program I suppose it’s better to do this one as early as possible, though I also know that it’s the type of program that often gathers a lot of attention from fans of such HYIPs. The news section will be along in a few moments as always by the way so keep reading for that, but first let’s see what ImproFunds have to offer and whether you think it might be worth taking a chance on or not.

So starting with the investment plans, ImproFunds have five to choose from. Regular readers will probably recognize the style immediately as this type of thing has been quite common in the industry in recent years, with all plans paying investors just one single payment on expiry at a rate that depends on how much they gambled with. Some are quite obtainable and easily achieved in HYIP industry terms, while others are extreme high risk and unlikely to profit anyone except the admin. The trick with programs like ImproFunds of course is to be able to see and work the difference between the two, and hopefully be in the group that profits rather than the group that pays for it. Sounds easy but of course you all know nothing could be further than the truth, though at least all the plans are very affordable.

You can join ImproFunds with a $10 minimum, and their first plan pays on expiry of a term running for just 1 single calendar day, so in other words join today and get paid tomorrow. For anything up to a $500 deposit ImproFunds offer a return of 105% paid on expiry. The payment includes your initial principal so the actual profit is 5% which isn’t bad for basically just waiting around for a day. But if you’d like to earn a little extra then it’s going to cost you. Higher interest rates are available on higher deposits and are paid as follows:
106% for amounts between $501 and $1,500, 107% for $1,501 to $3,000, and 108% for anything between $3,001 and $5,000. If you’d like to know the rates being offered on larger deposits than that check from inside your ImproFunds members account area. But I can tell you that the top rate is 130% and there is no limit placed on what you can spend.

Next is a plan running for a term of 3 days that also pays on expiry. The minimum deposit is still $10 and for amounts up to $500 you are offered 117% on expiry. Other options include a single payment of 118%, principal included, made of expiry on deposits between $501 and $2,500, and 120% on deposits between $2,501 and $5,000. For larger deposits with no maximum limit see the members area.

After that the next plan runs for a term of 5 days, with ImproFunds again offering one single payout on expiry. Minimum deposits start at $10 and for anything up to a $500 investment you could earn a payment of 130%, principal included. For larger deposits the following rates are available:
$501 to $2,500 gets 131%, and from $2,501 to $5,000 gets 135%.
Again bigger rates apply to bigger deposits with no maximum spend and a top rate of 375%. See the accounts area for further details.

Your next option runs for a 10 day term and also pays on expiry. The only payment you receive again includes your principal and requires a $10 minimum deposit to join. Spend anything up to $500 and ImproFunds will return 162%.
For bigger investments the following rates apply:
163% on $501 to $2,500, and 180% on $2,501 to $5,000. Like all the ImproFunds plans there is no upper limit set on investments and the maximum rate is 1300%. See the members area for more details if you’re interested.

ImproFunds final and riskiest investment plan runs for a term of 15 days and makes one single payout on expiry that includes your original principal. Despite the high risk it’s still very affordable. You can sign up for a $10 minimum and earn 200% interest on expiry on deposits up to $500. For larger deposits the following rates are available:
$501 to $2,500 gets 210%, and anything upwards of $2,501 to $5,000 is offered 300%. You can see the rates for anything bigger than that if you’re interested in your ImproFunds members account area.

So if any of the plans do appeal to you, the next thing you’ll probably want to hear about is going to be the payment options. ImproFunds have I’d say as good a choice as any program offering plans like this. Or like most other HYIPs for that matter I suppose. All the popular ones are listed, including the likes of SolidTrustPay, PerfectMoney, and EgoPay. And also like the majority of HYIPs, payments to members are made manually by the admin. You need to log in to your ImproFunds private members account area and make the request, and once done you then need to allow anything up to 24 hours for the admin to fully complete the transaction. That’s what the website says anyway, though in practice (up until now) the payouts have been much much faster. In my own case I even got my first withdrawal paid out within a few minutes, though of course this is only likely to be the case while ImproFunds is still so new. Once the program grows in popularity and the workload stretches for its admin the waiting time will probably have to increase as well, so remember to allow the full amount and take anything faster as a bonus.

Moving on to the more technical and security features, well, there’s nothing all that special about the layout or layout of the program, nothing that immediately eye-catching at all really, but that’s also quite deceptive because the security features are quite strong. Mainly because of the hosting ImproFunds have opted for, which is on a dedicated server with the support and protection of BlockDos. They of course are still almost universally accepted as being the number one provider that serves the HYIP industry and while it doesn’t come cheap, in the long run it saves a lot more money than it costs due to the fact that downtime and malicious DDoS attacks will be negligible. The ImproFunds website runs off a script licensed from GoldCoders so should will likely have a familiar feel inside the members area for most of the regular industry players. For an extra layer of security then the site is also SSL encrypted in both the public and the private members area for safer browsing and more secure transactions.

If there’s anything else you’d like to know about the program that you think wasn’t explained here, or if you need to contact the admin with any further questions or account related issues then you can get in touch with them through a number of channels. To start with, ImproFunds have the usual online customer support form that you simply fill out and submit via their contacts page. If you prefer then you can simply e-mail the admin directly at the address listed on the contacts page, though either method will probably see your message land in the same inbox anyway. Provided your question isn’t something the admin might wish to avoid (we are talking about online HYIPs here after all!) then you might be able to have your problem cleared up in real time if you catch their program support through the Live Chat feature which is built in to ImproFunds. There’s nothing to indicate what the working hours are but I can tell you that it does at least function which by itself is an improvement on a good number of other programs. ImproFunds also include a phone number if you’d like to try your luck and expect someone to answer, and fans of social networking sites can find them keeping a profile on Facebook. Lastly there’s a postal address in the UK where ImproFunds have a certificate to say they are a registered company, though this is the one I’d be quickest to ignore as even the genuine ones are ridiculously cheap and anonymous to buy over the net, no questions asked. I also happen to recognize the address as that of a serviced virtual office, where anyone can rent “the address” for their own use but not the actual property.

As for the website content (ie the texts) and the alleged business plan backing the whole thing up and financing the payments to members, ImproFunds are describing themselves as a “money management company”. However I can tell you that the texts are a straight up copy/paste job and can be found in literally dozens of older HYIP programs. Not that this would necessarily indicate a connection between any of them and ImproFunds (a common designer perhaps, but not so much a shared admin) it would still indicate that what you are reading on the pages of the website is highly unlikely to be true. Experienced players will already be well aware of this, of course I know, but as always feel it needs to be repeated for the sake of the newbies. So don’t treat ImproFunds like anything other than an online HYIP, and a high risk gamble. That means establishing a spending limit that’s affordable to you and something that you can afford to lose if things don’t work out the way you’d hoped for. And if joining ImproFunds at all then try and keep them as a smaller part of a wider more diverse portfolio.

DAILY NEWS FROM THE INDUSTRY

INSTABANK – MOVED TO PROBLEM DUE TO SELECTIVE PAYOUTS

Unfortunately I have to start the news section for tonight with the unpleasant announcement about withdrawal problems in InstaBank which forced me move it to Problem Status on the MNO monitor tonight. I have a verified complaint from a reader who appears not to have been paid and has been hopelessly waiting for over 24 hours already for his withdrawal. Sadly there are more complaints submitted on forums and other monitors that makes me think this is not an isolated incident. Having said that, please note that many of the investors in InstaBank are still getting paid and have no issues with withdrawals (myself included), although even several cases of pending requests and the irresponsiveness of the admin makes the situation worse. So be aware of that, and even if you’re still getting paid by InstaBank do not reinvest any funds as the program is sure to collapse pretty soon. In any case, I can conclude that InstaBank has been a tremendous success while running for over six weeks, which is an extremely good result for a program offering payouts after 24 hours.

GESMIE – SOLIDTRUSTPAY DEPOSITS AUTOMATED NOW

In the absence of InstaBank, Gesmie has definitely become another leader among the short-term programs on MNO, as all the withdrawals continue to be processed instantly to all payment processors including SolidTrustPay, PerfectMoney, OkPay, and EgoPay. As Gesmie accepts deposits starting from a $1 minimum only and has a perfectly set up script and design which astounded a lot of investors, success was almost guaranteed. While we can’t predict how long Gesmie is going to run and the admin openly said on his website that it’s a money game, I still believe it might have more time to promote and grow. I hope the upcoming interview on MNO (as the admin requested one) will push Gesmie‘s growth and help attract more participants willing to invest in one of the plans on offer – 105% in 24 hours (single payment on expiry), 150% in 5 days (credited hourly), 240% in 10 days (credited per second). By the way, for those of you who don’t quite get how the plans work I suggest reading my review published here, and everything will be clear for you then.

The latest short update from Gesmie was posted last night reporting the now resolved issue with STP deposits which had to be added manually. No such problem exists anymore, as SolidTrustPay deposits in Gesmie are credited automatically and instantly. That’s definitely some good news and I believe will result in more deposits via STP coming over the next few days:

“SolidTrust Pay automatic payments
We have finally enabled SolidTrust Pay merchant payments. Which means you don’t need to transfer your funds manually anymore, just click the ‘Deposit’ button!”

PUREINCOME – OKPAY ADDED

Speaking of the ratings on the MNO Monitor, PureIncome is a definite leader there with claiming #1 spot after InstaBank‘s impending collapse. Quite gradually and over the last few months the program managed to introduce more payment processors and together with PerfectMoney and Bank Wires, EgoPay and SolidTrustPay were eventually added as well. In previous updates the admin of PureIncome Mark already promised to extend this list even further, which happened today with the introduction of OkPay:

“New payment gateway on board – OkPay!
As promised we continue introducing new depositing and withdrawing options for you! We are glad to announce that PureIncome has officially launched OKpay payment gateway.
Sincerely, Mark Cobe
Marketing Director of PureIncome”.

As with the other currencies, OkPay is now accepted from $10 into various plans giving you an opportunity to earn a variable daily interest of up to 2.3% for the duration of the lock-in period of 180 calendar days on completion of which you can redeem your initial investment. As PureIncome has been on MNO monitor almost since day one in January 2013 I already managed to complete one full investment cycle and get the deposit paid back to me as normal. Usually it doesn’t take more a few hours to get paid by PureIncome, and I’m sure such efficiency for over six months is really appreciated by the members who are the ones responsible for PureIncome soaring to #1 on the MNO monitor now. For more information on PureIncome please read my original review published here, as the investment plans are quite unorthodox and for an unexperienced investor may be difficult to understand at first. But the review will help you with this for sure.

GOODNESSSUCCESS – FIRST WITHDRAWAL RECEIVED AND MNO INTERVIEW COMING

For some reason GoodnessSuccess (reviewed here) didn’t get that popular among my readers and only yesterday I got the first referral commissions along with the first payment on the 110% after 7 days plan. Contrary to what’s written on the website I had to withdraw my principal and profit from my account manually by clicking on “Get Goodness” button, and therefore that complicated things even more. You might remember that in my previous article on the addition of the new investment plan in GoodnessSuccess I criticized the new plan’s lack of appeal to the majority of investors by offering 409.6% after 90 days on deposits over $500 while the competing plan pays you 150% after 2 weeks, potentially giving you much better results with voluntarily compounding. Well, I hope some of the many confusing things regarding GoodnessSuccess will be clarified in the upcoming interview with the admin which I hope to publish on Saturday. As I’m currently inundated with new projects the end of the business week is the most appropriate time to publish it, especially considering the usual lack of news over the weekends. Hopefully it will help you make an informed decision on this quickly evolving program.

EMPIREFINANCEGROUP – MULTILINGUAL PHONE SUPPORT AVAILABLE

If you’re looking for the oldest program listed on MNO, then that would be EmpireFinanceGroup. Running for an astonishing three years and three months, it’s been monitored on MNO for about six months. Since then EmpireFinanceGroup managed to successfully survive the LR collapse that so badly hit many other programs and even paid everything that was owed to those investors who deposited via LibertyReserve via PerfectMoney which remained its only payment processor for some time before the recent addition of EgoPay. EmpireFinanceGroup still offers the same investment plans that were described in my original review published here – 1.3% for 45 business days, 1.5% for 80 business days, 1.7% for 100 business days. Your principal is returned on expiry and the payouts are still processed instantly. It looks like the only thing to change in EmpireFinanceGroup over the last few weeks was the improvement of its customer support. In today’s update it was mentioned that the phone support is now available in three languages – English, Spanish, and Russian. You can test the phone support yourself by calling any of the numbers shown in the top left corner of the main page of EmpireFinanceGroup during the scheduled working hours and see if you actually get connected with someone. That would benefit the international investors still sitting on the fence for some reason, as it gives them some confidence from the opportunity to speak over the phone with someone. Experienced investors will know that such gimmicks and even the incredible age of the program will not guarantee you your earnings, so, as with any online HYIP, only invest what you can afford to lose. Here’s the short message regarding the multi-lingual phone support in the program:

“Telephone support upgrade – EmpireFinanceGroup
Spanish and Russian language telephone support is now available. You can get a high quality support service from 8 AM to 4 PM GMT.
EmpireFinanceGroup Support Department”.

CATENAFINANCE – IMPORTANT ADVICE OF ONLINE SAFETY

CatenaFinance (reviewed here) seems to be doing ok as well, and after seven and a half weeks online all payouts to SolidTrustPay, PerfectMoney, and EgoPay are processed promptly in both investment plans – 2% per business day for 365 days and 11% for 55 weeks for a $1 minimum deposit and your principal returned. As with his previous emails the admin Enver (interviewed here) chose to update the members of CatenaFinance on something really important – online security. The importance of keeping your computer safe at all times cannot be overstated, and I’m glad CatenaFinance is issuing such useful information. The full newsletter is below:

“CatenaFinance: Safety
We would like to bring the matter of safety to your attention. In the past 3 days two of our investors have contacted us requesting help in restoring their accounts. Both of our users were infected with a trojan keylogger and someone stole their passwords for all online accounts, including e-mail and ecurrencies. Only thanks to our composure, they got their CatenaFinance accounts back and a potential loss was averted.
A lot of people think they are safe and that it cannot happen to them. Unfortunately, it can happen to all of us. That is the reason why we advise you to always have an antivirus program installed and to update it regularly, just as you should update your system, and, besides that, you should be very careful about what you run on your computer as well. Be careful now, rather then later, as it might be too late then.
We don’t have any big news, primarily because everything is going superbly. The growth rate of our program flew over our expectations. We are working on a few new things, but I wont be releasing the details yet. Lets just say you will not be sorry to be our investors.
Thank you for your trust.
Best Regards, CatenaFinance Support”.

SEEDFUNDING – REFERRAL CONTEST LAUNCHED

SeedFunding (reviewed here) announced the first referral contest starting today and continuing for another month. The first three prizes will be awarded to the lucky winners in mid-September when the HYIP industry should be back in full swing. As of now, SeedFunding is not that popular among my readers due to its low paying plans of 1% for 120 business days, 6% for 22 weeks, 30% for 5 months, deposit fees of 3% on SolidTrustPay and EgoPay deposits and 1% withdrawal fees on PerfectMoney, and a high $10 withdrawal and $100 deposit minimums. The full terms and conditions of the contest are in the latest newsletter from SeedFunding today:

“Incentive Program, Starting NOW!
Ladies & Gentlemen,
Get ready for a referral challenge that will begin tomorrow and be on for exactly ONE MONTH.
Thursday, August 15, 2013 – Sunday, September 15, 2013
Share SeedFunding with your lists, friends, contacts, and associates. Get ACTIVE referrals to SeedFunding within the timeframe mentioned above.
These are the incentives we are offering to our THREE top referrers (based on the number of introductions) within this coming month.
1st Prize – 10% of all deposits your NEW referrals make to one of the Seed-Funding plans between August 15 and September 15, 2013
2nd Prize – 7.5% of all deposits your NEW referrals make to one of the Seed-Funding plans between August 15 and September 15, 2013
3rd Prize – 5% of all deposits your NEW referrals make to one of the Seed-Funding plans between August 15 and September 15, 2013
Cash awards will be paid IN ADDITION to our usual introduction fees.
These prizes will be paid to your processor on file. If you wish to deposit these amounts to one of our plans, you will have to fund your E-Wallets directly from your processors.
The challenge will close on September 15, 2013, at midnight server time. Winners will be identified and published on September 16, 2013. Rewards will be paid to the winners’ processor accounts on that same day.
Good luck everyone!
John. SeedFunding”.

BILLIONAIRESGROUP INTRODUCTION

The only new program to join MNO’s Premium listing over the last 24 hours was BillionairesGroup. Such a pretentious name perhaps has something to do with the admin’s desire to become a billionaire himself, as the maximum to invest in his program is unlimited and all deposits via PerfectMoney, SolidTrustPay, and EgoPay starting from $10 are welcomed. There are three investment plans, all with the same duration of 120 business days and all returning your principal on expiry as well. Depending on how much you want to invest in BillionairesGroup you can expect from 2% to 4% interest credited to your account over the term. Withdrawals have to be requested and are promised to be paid instantly if under $100 or within 12 hours if over it. I’ve already been paid the first withdrawal from BillionairesGroup so I moved them to Paying status on MNO. It wasn’t instant despite being under $10, but it was made very fast anyway. The program is running off a licensed GoldCoders script and has an SSL cert by Comodo with hosting on a dedicated BlackLotus server with DDoS protection provided by “DdosHostingProtection”. I guess the admin realized the necessity for protection after his site was viciously attacked over the first days of launch and that obviously forced him to upgrade its protection. BillionairesGroup has been running for over two weeks now, and so far I see only positive feedback on prompt payouts on forums and monitors. If this continues I’m planning to review it on MNO by Monday. So stay tuned for more detailed information then.

GET PAID REPORT FOR 15/08/2013

Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: –
From MNO Premium list: PureIncome, EmpireFinanceGroup, RFIGroup, AlliexFinancial, CatenaFinance, BlackGold, Gesmie, ArgoMoney, After90Days, LocomotiveTrade, SolomonHit, GoodnessSuccess, ImproFunds, FidelisFinance (the first payments received), BillionairesGroup (the first payment received).
From MNO Standard list:  –
From MNO Basic list: InvestmentCapital, OneDollarInvest, GrandCapital, GetInstantWithdraw, SecureInv, TheInvestmentBank, StrongInvestment, GirlsProfit, GulfInvestmentClub (the first payment received).

That’s all for tonight, guys. See you on MNO tomorrow with a review of FidelisFinance and the regular daily updates from the programs listed on my monitor. Remember you can follow me on Facebook and Twitter as I always update my accounts with links as soon as anything is published. Alternatively, you can also subscribe to get the daily news from your favourite projects straight to your email by entering and confirming your email address in the blank field on top of my blog page. Thanks for reading and remember you’re always on the money with Money-News-Online!