Frequently Asked Questions.

Yes, of course!

Our mobile application is free to download for both iOS and Android platforms. 

Yes, you can explore the app’s full functionalities via the mobile app with our demo account!

Creating an account with us is easy.

Just follow the following few steps and your account will be ready within 15 minutes!

This is, however, subject to complete submission of all required documents. 

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You only need your identity card (e.g. MyKad, MyPolis or MyTentera) to open an account with us. 

Step 1: Open the MIDF Invest mobile app 

Step 2: Log in to your MIDF Invest account

Step 3: Enter using Face ID, Touch ID or password and the app will direct you to your Dashboard. 

Step 4: Click the ‘Trade’ button on the Dashboard 

1. Have a Malaysian citizen IC 
2. Be 18 years or above
3. Have a Malaysian bank account
4. Have a mobile device

The app is currently not open to non-Malaysian residents. 

Yes, you can. 

Generally, all Malaysians that are above 18 years old can open a trading account with us. 

There is no minimum deposit requirement to open a trading account with us.

We will only request an RM1 refundable deposit for the purpose of verifying your bank account.

Account creation is 100% online, and it will take approximately 15 minutes to process your registration. 

However, some users might be subject to manual review, in this case, our Happiness Agents will reach out to you to request additional documents to be submitted. 

Therefore, we recommend you submit additional documents promptly for faster account registration. 

Once you click ‘Log In’ on the login page, click ‘Forgot your password’ and follow the instructions to reset your own password.

You can also change your password under the ‘Settings’ page.  

CDS stands for Central Depository System and acts as a means of representing ownership and movement of securities.

When you sign up with us, you don’t need to open a CDS account as all trades that go through us will be aggregated and executed through a nominee account of the appointed broker. 

Although all trades from all our customers are aggregated, our system will be able to assign and tag the individual trade to the respective individual Customers.

Upon registration, you will need to deposit funds from your verified bank account into your RM cash account and convert them to USD to begin investing.

This process will only take a couple of minutes.

You will know your account has been registered, when you have successfully verified your bank account and completed the RM 1 refundable deposit.

Yes, you can.

The account activation will be processed on the weekend, as on any working day.

This could mean one of the items below: 

• The image on the Identification card (IC) is not clear 
• Further information/documents required to verify your personal details 
• Submitted information/documents are incomplete 

Should you need more help, please reach out directly to our Happiness Agents through one of the following channels. 

1. In-app chat box: Use the Chat Box in-app or web portal  
2. Email: Send an email at hello.midfinvest@midf.com.my 

This could happen for several reasons.

Most of the time it is because our Happiness Agent has yet to receive the required additional documents from you.

To quickly resolve this, please reach out directly to our Happiness Agents through one of the following channels: 

1. In-app chat box: Use the Chat Box in-app or web portal  
2. Email: Send an email at hello.midfinvest@midf.com.my

At the moment, you can only have one type of account at any given time.  

Currently, you cannot switch your account from conventional to Islamic or vice versa. 

This option is currently not available. 

No, we don’t require proof of change if you would like to use a different correspondence (mailing) or residential address. You can put in the new address on your own under the Profile Setting.

You can change the following details on the mobile app and web portal: 

• Correspondence address 

• Residential address 

• Email address - requires simple security/ verification process 

• Mobile number - requires simple security/ verification process 

• Marital status 

• Employment status 

• Your spouse or next of kin’s details 

• Registered bank accounts 

• Registered devices

Any transfers from your registered bank account to your RM Cash Account with us will be reflected immediately.  

If you are not able to see the cash immediately in your RM Cash Account, please reach out directly to our Happiness Agents through one of the following channels so that we could help you to resolve the issue as soon as possible: 

1. Chat box in the app: Use the Chat Box in the app or web portal  
2. Email: Send email at hello.midfinvest@midf.com.my 

Yes, you can.  

Step 1: Go to RM/USD Cash Account 

Step 2: Click Transfer  

Step 3: Click “Transfer between cash accounts 

Step 4: Key in the account you wish to transfer from 

Step 5: Key in the account you wish to transfer to 

Step 6: Key in amount 

Step 7: Click Confirm 

The transfer of funds should be reflected in your accounts immediately. Should you need more help, please reach out directly to our Happiness Agents through one of the following channels. 

1. Chat box in the app: Use the Chat Box in the app or web portal  
2. Email: Send email at hello.midfinvest@midf.com.my

Our app allows you to directly add cash from your bank accounts into your cash accounts with us, subject to limits set by FPX i.e., RM30,000 per transaction. The maximum number of transactions per day differ from one bank to another.

You can withdraw cash from your RM or USD Cash Accounts with us with the following few steps: 

Step 1: Go to RM/USD Cash Account 

Step 2: Click Withdrawal 

Step 3: Select Bank Account to withdraw to 

Step 4: Key in amount in RM/USD 

Step 5: Click Confirm 

You can withdraw anytime during the day and the amount will be credited into your bank account within the next 2 business days.

No, you can only request for withdrawals into one of the registered bank accounts with us. This is done for security purposes.

Settlement is two business days after the sale transaction (T+2) and will be automatically credited into your USD Cash Accounts. 

You can trade U.S listed shares based on the trading hours:

Nasdaq:

Pre-market    : 7.00 am to 9.30am Eastern Time Zone

Opens           : 9.30am Eastern Time Zone

Closes           : 4.00pm Eastern Time Zone

NYSE:

Pre-market    : 7.00 am to 9.30 am Eastern Time Zone

Opens           : 9.30 am Eastern Time Zone

Closes:          : 4.00pm Eastern Time Zone

Holiday calendar for NYSE : https://www.nyse.com/markets/hours-calendars

Holiday calendar for Nasdaq : https://www.nasdaq.com/nasdaq-2020-holiday-hours-trading-schedule

You can either que your order during the non-trading hours or trade during the trading hours of NYSE and Nasdaq.

During non-trading hours

Even though the U.S. market is not open, you can still queue to order for your choice of stocks, the indicative pricing can be found in the product overview screen where you can use the last traded price i.e., the previous day closing price as the indicative pricing for your order. However, you will not be able to see the market depth - bid and ask - since there are no market activities by the brokers yet.

During pre-market period and trading hours

Orders can be submitted during the pre-market period and throughout the NYSE and Nasdaq’s trading hours. Please note that Customers are also able to participate during the pre-market period but only for limit orders (order to buy or sell a stock at a specific price or better).

Nasdaq:

Pre-market    : 7.00 am to 9.30am Eastern Time Zone (only for limited orders)

Opens           : 9.30am Eastern Time Zone

Closes           : 4.00pm Eastern Time Zone

NYSE:

Pre-market    : 7.00 am to 9.30 am Eastern Time Zone (only for limited orders)

Opens           : 9.30 am Eastern Time Zone

Closes:          : 4.00pm Eastern Time Zone

Trading will be done in USD.

The exchange rates will be published on your Dashboard and will be communicated to you on the transaction page upon your request for the transfer.

Depending on the trading conditions applicable to each individual share. This trading condition for US-listed securities vary from one security to another as they can be based on the quantity of units or minimum investment amount. In most cases, a minimum USD50.00 is applicable for each purchase or sale.

There are two types of orders:

i.  Day Orders – these are only valid for the trading day

ii.  Good till Date (GTD) Orders – these will be carried forward continuously each trading day until the expiry date selected or upon order execution whichever is the earliest. 

You can modify/cancel orders that are still pending by going to the Orders page.

Find your order and click ‘Modify’ or ‘Cancel’ on the far right.

The order status will be shown next to the stock as ‘Filled’.

Yes, you can create your own stock watchlist easily in the app by following a few simple steps:

Step 1  : Go to Dashboard

Step 2 : Left click on the arrow icon

Step 3 : Left click on New List

Step 4 : Rename watchlist and click create

To add different stocks to your watchlist, you can do so by:

Step 1  : Typing in the stock you want in the 'Add Instrument' box

Step 2 : Left click on the arrow icon in the 'Add Instrument' box to add stocks by region

Step 3 : Right click on an existing stock in another watchlist, click on 'Add to watchlist' and click on the     watchlist  you want to add it to

Yes, you can do this by following few simple steps:

Step 1  : Go to Dashboard

Step 2: Click the ‘Trade’ button

Step 3: Click the ‘Order’ tab at the top of the screen

Step 4: Click ‘Transaction History’

Prices shown have a delay of 15 minutes. However, your orders will be executed based on real time market price of the shares.

You can do this by following a few simple steps:

Step 1: Go to Dashboard

Step 2: Log in

Step 3: More > Contract Notes

Step 4: Click Contract Notes to view and download list and details of completed transactions for the past 90 days.

If you just want to view your transaction history, select transaction filter from ‘My last 7 days’ transactions’ card.

Available Balance/ Trading Limit

The amount available for purchase of shares or for withdrawal into your registered bank account.

Float Amount

The traded amount used to buy a stock which is yet to be settled. The Float Amount will be deducted from your Cash Account balance the following day.

Cash Account Balance

Cash Account Balance = Float Amount + Available Balance.

The adjustment to the total Cash Balance will be reflected upon settlement of your trade typically within the following business day. However, your Available Cash Balance/ Trading Limit will already take into account the trades that are still pending settlement.

We currently do not provide our Customer the ability to vote or appoint a proxy to vote remotely in shareholder meetings for the companies you own.

If you have more than 1 housing loan, more than 1 car loan or has any personal loan or an overdraft facility, you can invest up to RM1 million per calendar year in foreign currency assets including purchase of U.S.-listed shares through our app.

With effect from 2004, income derived from sources outside Malaysia and received in Malaysia by any person is NOT subject to Malaysian income tax. This includes capital gain and dividend received from your investments in stocks through our platform.

Even though the U.S. market is not open, you can still queue to order for your choice of stocks, the indicative pricing can be found in the product overview screen where you can use the last traded price i.e., the previous day closing price as the indicative pricing for your order. However, you will not be able to see the market depth - bid and ask - since there are no market activities by the brokers yet.

Yes, as a non-U. S resident, you will be subjected to a 30% withholding tax rate for dividends received from U.S. listed shares that you own. Any dividends received in your bank account or cash accounts with us will already be net of the withholding tax as our tax agent will facilitate the deduction prior to crediting the dividends into your account.

All dividend payments received will be credited directly into your USD Cash Account, within 5 business days from the dividend payment date.

For instance, if you own 1,000 units of Apple shares and Apple Inc. declares a dividend of US0.60 per share, the net amount of dividend that you will receive is USD480 i.e., USD600 minus 30% of withholding tax amount of USD180. On the Payment Date, we will credit USD480 into your USD Cash Account.

You can control which Trading Products you would like to view and trade in the platform.

Go to  > Settings > Trading Products

Select the products you would like to enable and click Apply.

For now, we are only offering Equities.

Yes, there are two factors that will determine your trading limit.

1) Cash balance in your USD Cash Account and

2) Allowable amount as per the Bank Negara Malaysia Foreign Exchange Administration (“BNM FEA”) rules.

Your trading limit would be equivalent to the balance in your USD Cash Account unless you have a Ringgit borrowing or financing as per the Bank Negara Malaysia Foreign Exchange Administration (“BNM FEA”) rules.

Malaysians with a Ringgit borrowing or financing could invest up to RM1 million per calendar year in foreign currency assets including purchase of U.S.-listed stocks. For instance, if you already invested RM100,000 worth of U.S. stocks and RM600,000 worth of foreign properties in a particular calendar year, your trading limit with us would be RM300,000 during that calendar year even though your USD Cash Account Balance is more than RM300,000.  

For more information on the BNM FEA, please refer here.

Your trading limit is equivalent to how much you have in your USD Cash Account. For this reason, you can increase your trading limit by adding more funds into your USD Cash Account in accordance with the amount you plan to trade on our platform.

Please also note that the Bank Negara Malaysia Foreign Exchange Administration rulings provided that Malaysians with a Ringgit borrowing, or financing can invest up to RM1 million per calendar year in foreign currency assets including purchase of U.S.-listed stocks.

To ensure if your order went through you can access the information through your contract notes or portfolio position on the trading section.

To access contract notes:

Step 1: Go to Dashboard

Step 2: From the bottom tabs, Click ‘More’

Step 3: Click ‘Contract Notes’

To view the trading section, click the ‘Trade’ button and from the trading screen, click Position. You can see all your current stocks holding there.

Contract notes will be emailed to you and will be accessible in the app a day after order has been made.

As a non-U. S> resident, you will be subject to a 30% withholding tax rate for dividends received from U.S.- listed shares that you own. Any dividends received in your bank account or cash accounts with us will already be net of the withholding tax as our tax agent will facilitate the deduction prior to crediting the dividends into your account. There will be no withholding tax charged for capital gains you made on the U.S. investments.

We are currently working toward enabling our Customer to enjoy a lower withholding tax rate through submission of W8-BEN Form in order to obtain the W8-BEN certificate from the U.S. Inland Revenue Service office.

The applicable rate for stamp duty is RM1 per RM1,000 of investment amount, to a maximum of RM200. For USD-denominated transactions, the stamp duty will be calculated based on the investment amount’s equivalent value in Ringgit Malaysia.

The stamp duty legally binds all the contract notes every time you transact with us, both for Malaysia and U.S. investments. The amount is determined by and payable to the Lembaga Hasil Dalam Negeri (LHDN).

W8-BEN Form is a form where a non-U.S. resident fill-up to obtain Certificate of Foreign Status of Beneficial Owner for U.S. Tax Withholding. This certificate is used by non-U.S. residents to establish both foreign status and beneficial ownership, and to claim income tax treaty benefits between Malaysia and the U.S. with respect to income received from dividends (amongst other various types of income from U.S. sources).

We are currently working toward enabling our Customer to enjoy a lower withholding tax rate through submission of W8-BEN Form in order to obtain the W8-BEN certificate from the U.S. Inland Revenue Service office.

CRS is a global standard for automatic exchange of information on financial account information between the governments in order to combat offshore tax evasion and protect the integrity of taxation systems.

Malaysia is amongst more than 100 countries or jurisdictions that have committed to CRS. The full list of the countries or jurisdictions committed to CRS can be found via https://www.oecd.org/tax/transparency/AEOI-commitments.pdf

More information on CRS can also be found on Lembaga Hasil Dalam Negeri’s website: http://www.hasil.gov.my/bt_goindex.php?bt_kump=6&bt_skum=2&bt_posi=1&bt_unit=2&bt_sequ=1&bt_lgv=2

Any person, whether Malaysian citizen or not, who has resided in Malaysia for more than 182 days (or accumulated) during the assessment year is considered as a Malaysian Tax Resident.

Yes, so long you have resided in Malaysia for more than 182 days (or accumulated) during the assessment year.

If you did not reside in Malaysia for more than 182 days (or accumulated) during the assessment year.

TIN is a unique identification number issued by each country’s tax authority to taxable individuals or entities. For Malaysians, TIN is commonly known as “Nombor Cukai Pendapatan” or Income Tax Number, issued by Lembaga Hasil Dalam Negeri (Inland Revenue Board of Malaysia).

The Islamic Account option of MIDF Invest provides our customer access to a holistically Shariah-compliant online investment service covering the aspects of maintenance of trust accounts, facilitation of forex transactions and access to shares that are Shariah-compliant. Each aspect has been reviewed, endorsed and approved by our Shariah Committee and conforms to the applicable rules, regulations and guidelines by the Securities Commission of Malaysia and Bank Negara Malaysia. 

Trust Account:

Islamic trust accounts are created under your name to receive monies and make payments for your investments, whereas idle monies will be placed in Shariah-compliant deposits/ short-term Islamic instruments, hence there is no Riba’ element in the management of your trust account. 

Forex Transaction: 

The facilitation of forex transaction complies with the Bank Negara Malaysia’s Policy Document on Bai’ al Sarf (currency exchange) while the bank accounts use to facilitate the forex settlement is non-interest bearing, hence there is no Riba’ element during facilitation of forex transactions. 

Investment Universe:

The Shariah-compliant shares are derived from a stringent and well-established equity Shariah screening methodology which has been endorsed by our Shariah Committee and complies with the relevant rules and guidelines set-out by the Securities Commission of Malaysia.  

MIDF Invest has partnered with IdealRatings Inc. for its Equity Screening Solution to perform the quarterly equity Shariah screening. The adopted screening methodology has been endorsed by MIDF Amanah Investment Bank Berhad’s Shariah Committee as well as been reviewed, tested and verified by ISRA International Consulting Sdn. Bhd. 

Shariah Committee:

Being a licensed entity under the Bank Negara Malaysia and in accordance to the Islamic Financial Services Act 2013, MIDF Amanah Investment Bank Berhad has established its own Shariah Committee which undertakes the Shariah oversight role to govern all Islamic products and services offered by MIDF Amanah Investment Bank Berhad, including services offered via MIDF Invest, to ensure continuous compliance and conformations with the resolutions issued by the Shariah Advisory Council of Bank Negara Malaysia and that of Securities Commission of Malaysia. 

We shall inform our customers via email and/or in-app message if any of the shares that the customers invested in has been reclassified as Shariah non-compliant. As per recommendation by the Securities Commission, if shares held by Customers cease to be Shariah compliant, the Customers are strongly advised to consider performing the following actions, depending on the current market value of their investment: 

If the market value is greater than or equal to the investment cost of the stock: 

1. Dispose the Shariah non-compliant stocks immediately. 
2. Keep the dividends/capital gains received UP TO the Announcement Date. 
3. Channel the dividends/capital gains received AFTER the Announcement Date to baitulmal and/or charitable bodies. 
4. If the market value is less than investment cost of the stock: 
5. Hold your investment in the Shariah non-compliant stocks. 
6. Keep the dividends received during the holding period until the market value of the stock is greater than or equal to investment cost.  

Should you require further assistance, you can chat with one of our Happiness Agents via the app or email us at hello.midfinvest@midf.com.my. 

The Shariah-compliant shares are derived from a stringent and well-established equity Shariah screening methodology which has been endorsed by our Shariah Committee and complies with the relevant rules and guidelines set-out by the Securities Commission of Malaysia. All shares are reviewed based on two main criteria: 

Qualitative criteria – selection of companies based on their type of business/industry classification; and 

Quantitative criteria – employment of debt, interest and liquidity related ratios to identify non-permissible income from conventional financial activities. 

MIDF Invest has partnered with IdealRatings Inc for its Equity Screening Solution to perform the quarterly Shariah screening and the adopted methodology has been endorsed by MIDF Amanah Investment Bank Berhad’s Shariah Committee as well as been reviewed, tested and verified by ISRA International Consulting Sdn. Bhd. 

Quarterly (March, June, September and December).

As a full-fledged digital stockbroker, we DO NOT employ any representatives. Should you need help on the platform, please feel free to reach out to our Happiness Agents via email should you have questions or would like to verify the source of information. 

Should you need more help, please reach out directly to our Happiness Agents through one of the following channels. 

1. Chat box in the app: Use the Chat Box in the app or web portal  
2. Email: Send email at hello.midfinvest@midf.com.my 

Should you need more help, please reach out directly to our Happiness Agents through one of the following channels. 

1. Chat box in the app: Use the Chat Box in the app or web portal  
2. Email: Send email at hello.midfinvest@midf.com.my 

However, you may also visit us physically at Menara MIDF, 82, Jln Raja Chulan, 50768 Kuala Lumpur. 

Yes, via the same mobile app.

You can do this by first logging in to your mobile app. Go to the Dashboard and click Settings. Select Notifications and disable Promotions. Don’t forget to save the changes. 

We adhered to the Personal Data Protection Act 2010 (PDPA). All customers’ data is stored in a secured environment as prescribed by the PDPA. You may find a copy of the PDPA here. 

In the event of death, all instructions and other monetary instruments shall continue to be honoured until the Company receives notice in writing of the Client’s demise. At this point, the Company shall be entitled to sell-out any outstanding purchases / losses (which have not been paid for). Fees associated with the transferring of shares / trade activities made upon the request by the executor(s) or administrator(s) of the deceased’s estate will be funded by the balance funds available in the account. 

We therefore encourage you to update your next of kin in your profile settings of the mobile app or web portal. 

The demo function is a place where you can explore our platform and practice until you are ready to make your first actual trade. You can try out trading features like viewing stock prices, creating watchlists and performing dummy trades with a virtual amount of USD 100,000.  

If you leave your email address you will get free 30-day access to the demo, and we will save your virtual investments so that you can track the progress later. If you opt to not leave your email address, you will only receive access for 5 days only.

The Demo function is completely free.  

We have a three-tier pricing module to support your investment journey with MIDF Invest.

1. Explorer
   • Begin as an Explorer and enjoy our introductory pricing for the first 30 days from account approval
   • Explorer fees are only valid for your first 16 trades 

     Trade value	Fee
     USD 0 - 1,000	USD 0
     ≥ USD 1,000	USD 5 min or USD0.01 per share

2. Investor
   • Once your 30 days is up, you will progress to Investor level and be subject to Investor level fees

     Trade value	Fee
     USD 0 - 1,000	USD 8 min or USD0.015 per share
     ≥ USD 1,000	USD 10 min or USD0.015 per share

3. Trader
   • If you have performed 16 trades or more within the first 30 days from account approval, you will automatically graduate to Trader level and enjoy Trader level fees
   • To maintain at Trader level, you will have to trade a minimum of 16 times per month (counted from the 1^st of each calendar month)
   • To move to Trader level from Investor level, you will have to trade a minimum of 16 times per calendar month, and you can then enjoy Trader level on the 1^st of the following month

     Trade value	Fee
     ALL	USD 5 min or USD0.01 per share

Other fees:

You will only need to pay the brokerage, stamp duty, custodian fee, and SEC clearing fee. We do not charge for cash transfers between your bank account and the platform, dividend payment service and maintenance.  

All fees and charges are valid from 22 November 2021 and valid until further notice. 

The applicable rate for stamp duty is:

• RM1.50 per RM1,000 of investment amount, to a maximum of RM1,000 for shares. 
• RM1.00 per RM1,000 of investment amount, to a maximum of RM200 for marketable securities.

The stamp duty will be calculated based on the investment amount’s equivalent value in Ringgit Malaysia. 

The stamp duty legally binds all the contract notes every time you transact with us, both for Malaysia and U.S. investments. The amount is determined by and payable to the Lembaga Hasil Dalam Negeri (LHDN).  

There is no waiver for stamp duty fee. The stamp duty legally binds all the contract notes every time you transact with us, both for Malaysia and U.S. investments. The amount is determined by and payable to the Lembaga Hasil Dalam Negeri (LHDN).   

Trade a minimum of 16 times in a single calendar month (from 1^st of each month) and your commission will be upgraded to Trader level fees on the 1^st day of the following month.

If you are currently at the Trader level, trade a minimum of 16 times in a single calendar month to continue enjoying the Trader level fees.

No, Explorer fees are only valid for the first 30 days from your account approval.

No, you may not freeze your pricing level.

Trader level fees will only take effect on the 1^st day of the following calendar month. For instance, if you already reached your 16^th trade on 25^th November 2021, you would start enjoying the Trader level fees beginning 1^st December 2021.

A negotiable certificate issued by a U.S. depositary bank that represents a specific number of shares - typically one share of the stock of a foreign firm is known as an American depositary receipt (ADR). Account holders who possess ADRs should be aware that such securities are subject to periodic fees that are intended to reimburse the agent bank providing custodial services on behalf of the ADR, even if client has sold off the position later. These services typically include managing all registration, compliance, and record-keeping requirements as well as inventorying the foreign stocks that the ADR is based on.

Should you need more help, please reach out directly to our Happiness Agents through one of the following channels. 

1. Chat box in the app: Use the Chat Box in the app or web portal   
2. Email: Send email at hello.midfinvest@midf.com.my 

For situations where you are unable to resolve monetary disputes with us.  You can go directly to SIDREC. SIDREC services are free of charge for investors with claims not exceeding RM250,000.  

For more information on SIDREC, visit https://sidrec.com.my/ .  

Below are the contact details of SIDREC: 

• Office Number: +603-2282 2280         
• Email: info@sidrec.com.my  
• Website: https://sidrec.com.my/dispute-resolution/ 

Alternately, you can walk-in to SIDREC. 

There are multiple ways to invite Friends to MIDF Invest and share the joy of investment.

• Tap  Referrals icon on Dashboard or “share with friends” via Settings.

• Tap Invite Contacts.

• Tap Invite next to the friends you want to refer.

• No credits given for invitations or referrals.

• If the Receiver installs & registers (along with documents) with the app then you both are eligible to receive 2000 coins each.

• You cannot open a second account to get through this programme.

• Your invites will need to successfully sign up and Register.

Settings -- > Top Banner which will show your total accumulations

When MIDF Invest rolls out the Rewards programme, you can utilise to claim your equivalent rewards as defined by MIDF Invest.

No, there is no expiry set at this stage.

We provide support by email and in-app chat Monday to Friday, between 9am-5pm and 9pm to 5am (Malaysia Time). We will gladly attend to your needs during workday and trading hours. We do not have a phone number. Please reach out to us by email or chat.