Genuine experience: Accounts blocked without notice. It took 1 year and a half for them to run a verification process with no access to my accounts. At the end of the process, they closed accounts without refunding fees originally paid for premium services despite multiple requests. They care about one's money like bargain chips in a casino. They will hold it hostage. Customer service is useless: no phone agents. All virtual agents based in remote countries that don't know how to spell english. Customer support is impersonal "webchat only" so don't expect helpful chat reps with a good command of grammatical english. Recommendation: stay away from aggravation and non sense by avoiding them.