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WICKHAM · GOLD CARD FIELD GUIDE

Should a Wickham applicant sign a promoter's refund agreement for the Gold Card fee?

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THE DIRECT ANSWER

Treat it with caution. The processing fee of US$15,000 per person is nonrefundable under the programme, so a promise to refund it is a private commercial undertaking by that promoter and depends entirely on the promoter's solvency and good faith, not on any government term.

A private promise is not a programme term

Hypothetical example: Vincent is asked to sign a reservation agreement with a placement adviser that promises to return his processing fee if he is not approved. The programme itself treats the fee as nonrefundable and payable per person, before vetting. Anything that changes that outcome for Vincent is a contract with the adviser, enforceable against the adviser alone, and worth exactly what the adviser is worth if things go wrong.

Before signing he should compare every figure and every step in the agreement against the official government programme page and keep a dated copy of what it said. He should also ask who receives the money and on what account, and treat instructions that arrive by email from an intermediary with suspicion. The underlying rule is unchanged by any paperwork: an applicant pays a fee, is vetted, and only then makes a gift of US$1,000,000, or US$2,000,000 where a corporate sponsor makes it, by the applicant to the U.S.

government.