Legal
Last updated: February 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
| Unseal Amount | 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.
Early unsealing requires approval from 3 of 5 members within 48 hours (or 2 of 3, 3 of 4, etc.). 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.