The income share agreement has no interest. It's a flat percentage of your income, which is discharged once one of three things has happened: 1) you've reached your payment cap (the maximum you will pay), 2) you've made a certain number of payments, or 3) you have deferred payment for the payment period (even if you haven't paid us anything).

If you have to stop work for any reason, your ISA pauses.  There is no interest and you do not have to pay again until you earn over your payment threshold.  If you are unable to make a payment for the payment period, your obligation is discharged. 

We are using different ISA providers for each of our target countries, so the mechanisms of the ISAs are slightly different but follow the above terms in broad strokes.

We are aware that there are problematic ISAs on the market and are trying to structure one that is fair and equitable. If you've seen any that you think are good or bad, please let us know. We'd love your feedback.

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