Legal
Last updated: July 2026 · Seal Financial Technologies, LLC (Ohio).
Seal believes in complete transparency. We charge one fee and one fee only: a Commitment Fee when you choose to unseal your envelope before your goal date. This fee exists to protect your commitment to your goals — not to profit from you. There are no hidden fees, no monthly charges, and no fees for on-time withdrawals.
If you choose to unseal your envelope before the designated unlock date, a 3.5% Commitment Fee applies. The Commitment Fee is tier-capped by envelope balance and is deducted from your payout.
Under $500
Cap $25
$500–$2,499
Cap $50
$2,500–$9,999
Cap $75
$10,000+
Cap $150
The cap tier is determined by your envelope balance at the time of unsealing, not the amount you withdraw. The examples below assume the full envelope balance is being unsealed.
| Envelope Balance (full unseal) | Fee Rate | Fee Charged | You Receive |
|---|---|---|---|
| $100 | 3.5% | $3.50 | $96.50 |
| $500 | 3.5% | $17.50 | $482.50 |
| $1,000 | 3.5% | $35.00 | $965.00 |
| $2,500 | 3.5% | Capped $75.00 | $2,425.00 |
| $5,000 | 3.5% | Capped $75.00 | $4,925.00 |
| $10,000 | 3.5% | Capped $150.00 | $9,850.00 |
Caps are based on envelope balance tiers.
Partial unseal example: you unseal $2,500 early from a $12,000 envelope. Fee is 3.5% × $2,500 = $87.50, capped at $150 (the $10,000+ tier, based on your $12,000 balance). You pay $87.50.
Early unsealing requires majority approval within 48 hours (2 of 2, 2 of 3, 3 of 4, or 3 of 5). No vote = no approval. In the current version, Group Pact early unseals are full-unseal only — partial early withdrawals for individual members are not available. If approved, the 3.5% Commitment Fee is tier-capped (max $150 per envelope) and is deducted from the payout.
Deposits and withdrawals are processed via ACH. Transfer timing varies and can take a few business days depending on your bank.
Contact us at support@getseal.io — we're happy to walk you through any scenario.