At MFP, we are compliant with the customer care statement where the cooling off period is 30 days. While some funds will charge the fee of up to $50-00, it is a decision of our board of directors that we do not charge this fee. What does this mean? If you are not comfortable in dealing with us during the initial 30 day cooling off period, we will refund 100% of your funds. After that, normal surrender conditions apply.