They took deposits but did not take withdrawals. My money were held up for months, and I never received a response from their customer care. I can't even begin to count the amount of innocent individuals this firm has conned. There is no response to the phone numbers, such a lack of integrity. The nice reviews are all part of a scam, so never trust them. After that, I searched for C O N C E P T S T R D / C O M on Google and contacted their staff. They checked into it, and their business returned my money plus my profit. I express my gratitude to C O N C E P T S T R D / C O M for their swift reply.