People can get a Co-CEO job (CEO is not a business owner but a salaried person leading the execution) by conceptualizing a business and co-preparing a detailed business plan in any area (even common businesses are allowed) in a rigorous business planning process with Return40 Consultant (business strategy expert who has high level skills across all functions of a business).
Individuals can review extremely detailed business plans prepared by aspiring Co-CEOs and Return40 Consultant, invest any small amount of choice in business plans they like with hundreds of other people to start the business (Invespreneurs collectively own 100% of the business when it is started and each Invespreneur owns a small part of multiple businesses), and make high returns like a business owner/entrepreneur just by investing (not low returns like investors who invest at a premium share price in already running businesses). Just the way an entrepreneur makes more returns on his own investment to start his business than an investor who invests in his business (since entrepreneur takes more risk to put in initial capital, generates revenues and reduces risk before seeking investment from investors at a premium valuation much higher than initial capital he put in), Invespreneurs make higher returns like entrepreneurs, but in a way where risk is controlled, with ability to close businesses and salvaging the most of the capital invested back for businesses that do not work out great.
When an entrepreneur starts a business by himself, even though he may put in his own initial capital, he does not usually pay himself a salary during the initial years and most of them are not able to take advantage of fundraising using stock markets because of the very small size of their business and lack of a professional vision.
Even in stock markets/SIP/Mutual Funds you become a partial owner of a business. But there are huge differences between between those investments and invespreneurship, especially in terms of returns you can make!
A lot of efforts take place during business planning to reduce risk by planning all aspects of execution well in advance. Return40 agrees not everything may go as planned but the detailed planning goes a long way in reducing risk. After business starts, Invespreneurs, who will be aware about what is happening in the businesses using shared files and financials, can close a business if any business performs far below expectations, provided majority vote is reached among Invespreneurs to close it, and get remaining money back with anything earned plus interest.
To motivate you, we give some numbers. Rs 1, over 50 years, becomes only Rs 450 at 13% (typical returns from investing in already running businesses) but becomes Rs 5 lakh at 30% and Rs 2 crore at 40%! Yes, only from Rs 1! Only repeated entrepreneurial investments can grow at such a high rate.
Return40 does not charge aspiring Co-CEOs anything during the entire process and they do not have to put in a single rupee to invest. If working currently, aspiring Co-CEO safely leaves current job only after funding is secured by Return40’s Consultant and initial capital is received from Invespreneurs.
Return40 does not look at your current designation or work status. You can be a working professional, student or even a senior business leader.
Experience relevant to the plan you prepare is preferred but not a compulsory requirement.
Become part of WhatsApp Group Community to ask questions and see questions posted by others and ask any questions you yourself have.
Propose your business over Whatsapp personal chat and get initial approval and business related guidance from Consultant over phone call regarding what you wish to start and lead before registering on website and preparing the plan.
Propose any number of times if you are rejected.
Login in your dashboard, click “Create Draft" to generate Business Plan document and Projected Financials template. Both will have a lot of pre filled content to help you get started.
You can edit and format both – business plan document and projected financials spreadsheet online from your browser and from your mobile phone. They get saved automatically each time you type and edit! You can even use voice typing and use all formatting capabilities. Just ensure you save a link to the business plan and projected financials on your mobile home screen so you can edit them on the go!
Prepare an extremely detailed business plan with directional guidance of our Consultant.
You need to reach a score of 100% to involve Consultant on full time basis. Each time you ask Consultant to review what you have prepared, Consultant will give you some guidance and assign you a % score which increases as you prepare more content and consultant reviews the same. The score helps you understand how far you are from meeting our expectations.
Consultant gets involved in business planning on a full time basis from his end only after business plan and projected financials are prepared from your end up to our expectations. This helps us filter out weak applications.
You retain full copyrights of what you prepare and can back out from the process any time you want.
Consultant will make sure he understands all technical inputs too and gets involved as much as possible in those parts too. Consultant may search for other key employees at this stage from database of crores of professionals and get them involved in business planning without asking them to leave their current job. Return40 may also do some paid (paid by Return40) technical review of the plan and get strategic inputs from external industry specific consultants to improve it.
The detailed business plan prepared is only shown to few Invespreneurs at a time to avoid information being leaked.
Why would an investor give you money just for a plan without you putting in any money in exchange for little equity stake at a higher share price when they can invest at face value of equity share using our support and themselves own the entire business? Venture Capital and Angel investors usually fund only innovative businesses after they achieve very significant traction or have revenues and few out of several thousands get funded. Moreover, now investors have option of using our support to invest and own 100% of the business and Return40 can supply them a large number of such opportunities. When they have this option, why would they give funds for just partial ownership at higher share price when the business has not even started when they can give the same amount of funds at face value of equity share and own the entire business themselves using our support to manage the business? With us, you can prepare a business plan for ANY business, not just innovative business. If you want to own a business like an entrepreneur, you can become an Invespreneur by reviewing detailed plans, selecting the one’s you like and spreading your risk across multiple businesses.
This is the new method of getting a job! Stop submitting resumes and giving interviews! This employment option is for everybody and is not restricted to just few people who have capability and skills to carry out innovative businesses. Return40 has a completely different business model where we are open to all individuals as well as all types of businesses. Also, Return40 does not expect individual to put in any money at all, works with individuals who are currently employed (and even unemployed!) and expects 99% of businesses formed to be like those which already exist in the market, just executed in a better way!
In rare cases, Return40 advises investors to close the business if it performs far below expectations so that they can take back the remaining money (with any revenues plus interest earned, as funds received are immediately invested in safe fixed deposits) and we help them close the company.
You and the team have already increased your salary and have leadership experience on your resume! You can easily get a job anywhere else because of this designation and verifiable leadership experience.
However, investors understand as per the business plans that business will be in loss during the initial phase (but continues to grow in valuation).
Investors collectively need to reach a majority vote to close the business so decision to close is not based on decision of just one individual.
Return40 usually recommends a salary only arrangement during the first year after business starts and you get a very good salary hike. You can negotiate your sweat equity, stock options and salary every year with the board (and shareholders)! Return40 as a company gets a consulting fee set as per initial contract and it does not have right to change them later. For you, compensation is always negotiable every year so that you always get what you deserve! After the company starts, shareholders will collectively have the ultimate authority to decide your compensation as part of annual general meetings which Return40 conducts online (every year after company is formed) and you will be able to negotiate the same (usually in advance with Board of Directors) and keep the same as an agenda item of the annual general meeting on which shareholders will be able to vote. However, you need to clarify and negotiate your expectations regarding the compensation you expect during first year of the company with Return40 Consultant at business planning stage itself. You negotiate, propose and fix what you want with Return40 Consultant for year one only and Return40 proposes its own compensation with Invespreneurs (i.e. shareholders). Return40 can decide the initial capital and its own fees only after your initial compensation expectations are set during the business planning process. It is Return40’s Consultant who approaches various potential Invespreneurs with the proposal and aspiring Co-CEOs do not have to face the hassle of searching for people who will fund the business. Aspiring Co-CEOs meet Invespreneurs (usually over conference call) who are interested in the detailed business plan prepared by you and the Return40 Consultant ONLY AFTER Invespreneurs have viewed the proposal and shown interest. You need to understand that both Return40 and Invespreneurs show interest based on what you agree as your initial compensation during the initial stages and your initial compensation too is a major factor based on which initial capital is decided during the business planning stage.
Choosing this option does not mean our Co-CEOs do not ever become business owners. They can focus on currently increasing their income by applying and can always choose Invespreneurship option later to peacefully start businesses as investors, without disturbing their life, by distributing funds over various businesses, after carefully selecting the best businesses they like and making an informed decision of various available opportunities rather than being clouded by their limited awareness and skillsets of what they themselves can carry out. Return40 can show business plans only to limited number of investors to avoid information being leaked which results in queuing and prioritization of people who wish to review business plans. If a funded Co-CEO wishes to invest in future in business plans of other people, then they get priority among all investors to invest.
Google founders never knew their company will grow so big! Imagine getting an opportunity to become a business owner in a business which experiences similar exponential growth just by investing any amount of choice in it when it starts!
– Whether you can think (and are capable to lead) of a plan to start a small shop, a technology company, a financial institution, or any other small or large business, Return40 is there to help you.
– Can submit any business plan which is able to create a vision of decent return on investment
– Get significant capital available for deployment if funded
– Do not need to have expertise in all areas as a prerequisite e.g. some people may not understand finance or technology but they can still apply.
– Can improve business skills using “Knowledge Pad” section of our website as a starting point.
However, it is important to connect with us first on WhatsApp. You can always improve your skills later.
Individuals need to become part of one of the WhatsApp Group Community for aspiring Co-CEOs where they can ask questions and get replies from us to their questions. People also benefit from questions sent by other group members and our replies to those queries. Interaction among group members is not expected. This helps you familiarize yourself with the environment in which Return40 operates and feel a part of the community we are creating. It is compulsory to become part of Whatsapp group before you register on website. You can do so by clicking on the green Whatsapp button below anytime 24*7. If you are on mobile, Whatsapp app will directly open up with our prefilled number and a prefilled messaged. You just have to click on “Send" to send the Whatsapp message. We will allocate you a group on the next working day if it is late.
Yes, since the purpose is to gain employment and prove suitability of employment and section 27 of Indian Contract Act applies here. But there are a few things to take care of.
Section 27 of Indian Contract act has been repeatedly used by courts in various scenarios to support employees. It says: Agreement in restraint of trade, void – Every agreement by which any one is restrained from exercising a lawful profession, trade or business of any kind, is to that extent void (void means invalid).
Contracts which do not allow an individual to start and OWN a business which competes with their current employer, while simultaneously working with their current employer, or get paid to serve a competitor while being employed with the current employer, need to be honored by aspiring Co-CEOs. Even if no such agreement is signed with the current employer, this practice of not competing with the current employer while being employed with the same employer, should be honored by an employee. However, if aspiring Co CEOs make a plan that competes with their current employer, not for the purpose of starting and owning a business or getting paid by a competitor while being employed, but for purpose of gaining employment after leaving current job, it is legally allowed to prepare a business plan to prove suitability of employment. They should ensure they should not use any of their current employer’s resources to access information for purpose of making the plan, as it is unethical to do the same, whether or not there are legal agreements that prevent you from doing the same. Return40 does not encourage such unethical behavior. Only that information should be used in business planning that is gained in natural course of being employed, and common knowledge with other competitors in industry, as this does not allow the information to be classified as confidential. Trade secrets of existing employer which are not known to existing competitors, are encouraged to not be used in business planning. However, Section 27 of Indian contract act invalidates any agreement that does not allow a person to practice a lawful profession after termination of employment with current employer. Hence, any contract, confidentiality clauses, non compete clause, or non disclosure agreement, even if signed by aspiring co ceos with their current employer, which prevent aspiring co ceo from giving a similar service to other employers after they finish their employment, are considered invalid according to section 27 of indian contract act. This makes aspiring Co-CEOs legally eligible to prepare a business plan which competes with their existing employer while they are working for their current employer, as the purpose is to gain employment, prove capability for future job, and practice a lawful profession. The purpose is not to earn by leaking information to competitors while being simultaneously employed. Also, non compete, non disclosure, or garden leave clauses, even if signed by employees, and are with reference to just 1 or 2 years or even a few months post employment, attract section 27 of Indian Contract Act and are unenforceable and invalid as they prevent an individual from practicing a lawful profession.
However, section 27 may not apply to some cases. For example, if employer is spending 6 months on purely paid training of an employee where employee is not doing any productive work and expects employee to stay for some time after the training period is over. Then employee may be required to stay and restrain may be valid even in court of law.
This is not equity crowdfunding as in equity crowdfunding, money is raised by an existing company for itself at a price higher than face value of equity share by issuing shares to give investors partial ownership of company and investors do not have legal control over the company and its direction even using collective rights of all investors. In our model, investors own 100% of the company and have complete legal control over it. Return40, Return40's consultant and the aspiring Co-CEO do not get any ownership. However, it is important to give aspiring Co-CEO some employee stock options and Return40 some performance based fees, to keep interests aligned with that of shareholders. Hence, this is legal as per SEBI and securities law as it is just people starting businesses with 100% ownership and complete legal authority over the businesses formed.
Individuals first become part of a WhatsApp Group of Invespreneurs where they can ask questions and get replies from us to their questions. People also benefit from questions sent by other group members and our replies to those queries. This helps you familiarize yourself with the environment in which we operate. After this, they register on this website and fill up some details and preferences. Individuals can register on website and fill up their preferences only after they have become part of a WhatsApp Group.
In order to grow any business, finance plays an inevitable and important role and is one area which is ignored by almost all small businesses which results in them not growing fast or not growing big. Using loans to grow a business is simple to understand and doesn’t need to be explained. (It is also important for invespreneurs to understand the concept of limited liability. Suppose the company an invespreneur invested in takes a loan to grow faster or to finance purchase of assets, and the company is unable to pay back the lender due to some reason, invespreneur’s personal assets are safe and can never be claimed, which is why companies have the word limited in their name. The stories you hear in news of lenders claiming assets of company owner are those where company owner had given personal guarantee on the loan, which makes lenders eligible to claim personal assets in case of inability to repay. Invespreneur’s never give any personal guarantee, and hence their personal assets are always safe). No existing business can take loans to grow beyond a certain level. That’s where equity financing comes in i.e. bringing in more people who will also own the company by putting in money into the business. However, they enter the business at a much higher share price compared to people who started the business because of the now reduced risk as the business is already running (Return40 does not do such late stage fundraising online as it is not legal). This extra cash at higher valuation helps the company grow faster. The percentage ownership of original business owners reduces but the value of ownership of original shareholders remains the same even after equity funding is received. However, the company now has more cash in the bank to grow the business faster with no worry of returning the money back.
Before we describe the invespreneurship option, let us quickly tell you how equity shares and finance works with a very simple example. Suppose a business is started with Rs 2 crore of initial capital through 20 lakh equity shares at Rs 10 per share. This share price when the business starts is called face value of equity share. Valuation of a company depends on a large number of factors, the most important being expected future growth in profits. New companies, if they are supported by capital infusion at further higher valuations, typically show very high increase in profits, compared to increase in profits of large established businesses in the same sector. So, new companies get better valuation during their initial stages, compared to their established counterparts because they have higher potential of increase in profits. That is why, if the company, after a few years, has profits of Rs 20 lakh in a particular year, it can get valuation of Rs 20 crores, at Rs 100 per share (This valuation can be less or more, depends on the nature of the business, its potential growth, market demand for its product and services, market sentiment, growth philosophy, management potential, possibility of expanding profit margins as business achieves economies of scale, and finally, ability to find investors willing to invest at that valuation. Return40’s long term growth philosophy of starting new businesses when profit growth slows down by supplying detailed plans and leadership teams as well as being on the on the lookout of great businesses and great teams by existing companies helps to achieve a better valuation too). Suppose new external investors invest Rs 5 crore for Rs 20 crore valuation at Rs 100 per share, and 5 lakh new shares are issued by the company to these investors.
For new external investors who invest, the investment is less risky, as business is already established to some extent and has revenues and profits. Hence, new external investors enter the business at a much higher share price compared to Rs 10 price when the business was started, as the investment is much less risky for them. The new capital put in will be used to grow profits of the company at a much higher speed, leading to increase in share price.
Hence, a business owner makes high returns for taking high risk, and new external investors will make lesser returns for taking lesser risk compared to business owner. In the example we discussed, the business owner’s Rs 2 crores invested grew 10 times to a value of Rs 20 crores in a few years. In the invespreneurship option that we offer, people review detailed business plans prepared by aspiring Co-CEO and Return40 consultant, and invest any small amount of choice like the way business owner did in the example we just discussed, and not like the late stage investor who invested later. They do this small investment along with hundreds of other invespreneurs to make up the initial capital required.
Also, the amount of external capital infused by external investors who invest later in the new company, in proportion to its existing size, is also very high for a new company. Such high proportion of external capital infusion as described in the example, is usually impossible for a very large established business, as late stage investors are usually afraid that overall demand for whatever the business is selling may not be enough, and the future profit growth will not be enough to justify the large amount of capital deployed in the already large business.
Consider 4 different businesses, all started with Rupees 2 crore (Rupees 20 million) of initial capital. 20 lakh shares are issued at face value of Rs 10 per equity share to the people who start the business. After 3 years, suppose all four businesses have Rupees 60 lakh in revenues. Let us understand the nature and valuation of these four businesses.:
Business 1: Common business | Average execution | Year 3 profit of 15 lakh | Future growth potential in profits is 15 – 20% per year| Business valued at 5 crore after 3 years | Other investors infuse fresh capital of 1 crore at 5 crore valuation at Rs 25 per share to gain 1/6th ownership and 4 lakh new shares are issued. After funding, valuation becomes 6 crore.
Business 2: Common business | Well executed | Good market demand | Year 3 profit of 30 lakh | Future growth potential in revenues and profits is 30 – 35% per year | Business valued at 20 crore after 3 years | Other investors infuse fresh capital of 4 crore at 20 crore valuation at Rs 100 per share to gain 1/6th ownership and 4 lakh new shares are issued. After funding, valuation becomes 24 crore.
Business 3: Innovative | Good growth potential | Year 3 LOSS of 60 lakh | Future growth potential in revenues is 45 – 60% per year and company will achieve profitability in future | Business valued at 30 crore after 3 years (Typical startup) | Other investors infuse fresh capital of 6 crore at 30 crore valuation at Rs 150 per share to gain 1/6th ownership and 4 lakh new shares are issued. After funding, valuation becomes 36 crore.
Business 4: Innovative | High growth potential | Year 3 loss of 1 crore | Future growth potential in revenues is 50 – 100% per year | Business valued at 100 crore after 3 years (High growth startups like Flipkart, Ola, Paytm during their very early stages) | Other investors infuse fresh capital of 18 crore at 90 crore valuation at Rs 450 per share to gain 1/6th ownership and 4 lakh new shares are issued. After funding, valuation becomes 108 crore.
Individuals interested to invest can review the extremely detailed business plans prepared by aspiring Co CEO, Return40 consultant, and key future employees of the business. When Invespreneurs review the business plan, they can actually visualize how the business will be carried out, with important details like product development strategy, finance strategy, which marketing channels will be tested, what will be the content on advertisements shown, pricing strategy, sales strategy, competitor research, operations strategy, recruitment strategy, overall business strategy, action plan for three years, sourcing strategy, all efforts put in to validate the entire business, etc, and a lot of other details.
They can meet the aspiring co ceo, Return40 consultant, and key future employees over a group conference call, which will have hundreds of other invespreneurs too over the conference call, who will invest along with them.
Invest any small or large amount of choice, at face value of equity share, in business plans you like (a business owner starts a business at face value of equity share), along with hundreds and thousands of other Invespreneurs interested in investing in same business plans. You can do all this online or from your home, and allocate a part of your investments to such high growth asset class.
Make high returns like a business owner rather than low returns like a late stage investor.
All businesses you have invested in can benefit from the BSE SME (Bombay Stock Exchange for Small and Medium Enterprises) listing rules that allow your businesses to raise capital from public and get listed. A lot of rules have come in that help businesses get listed after 3 years of operations. All details regarding future fundraising plans and explanation of criteria of fundraising and getting listed are mentioned in the business plans. Return40 ensures it takes steps from day one of business planning that help your business move towards stock exchange listing in future.
Stay informed on a daily basis about what is happening in the companies you invested using shared business update files and company financials.
Benefit from our transparency, accountability, corporate governance practices and our stringent bank account management practices.
Invespreneurs can access invoices and bank account statements if they have any doubts and can get forensic accounting audits conducted by external firms if required.
You get voting rights based on amount invested. The voting rights have ultimate legal authority as per law. You can use online voting and do not need to physically attend.
All Invespreneurs collectively have ultimate legal control over company and its direction using their voting right and can vote on all major decisions if they want.
Shareholders with 1/10th of voting right can initiate a voting round regarding any issue too as per company law. If you have less than 1/10th voting right, you can involve other shareholders to make up the 1/0th quota and initiate a voting round on any matters of concern.
Not all matters need voting. You can also give strategic advice to company employees if you want something to be implemented and if it makes sense, it gets implemented and matters usually get resolved there itself.
You can attend Annual General Meetings online if you want. It is not compulsory to attend but it is advisable to do so.
Benefit from distributed business ownership in large number of businesses to reduce risk.
Benefit from starting businesses in areas beyond your skill sets.
Make informed decision of starting businesses by investing only in plans and teams you like.
– Return40 understands finance is a huge enabler to help a company grow. However, good execution is more important.
– We inculcate culture of sincere, helpful and proactive behaviour with exceptional work ethics and best practices. Such integrity and wish to contribute forms the basis of execution excellence.
– Return40 believes in getting to the depths of all crucial aspects of work which will have implications on the business.
– Regular reviews of strategy and execution of work by multiple relevant internal and external consultants of most crucial aspects of the business which enable its success.
– To enable execution excellence, we implement immediate reviews and suggest action plans by senior most consultants if a company misses any weekly or monthly target.
– Though we understand the importance of smart people and smart work, we also understand the impact on company performance if employees work 16 hours a day instead of 9 hours a day. Such working hours cannot be enforced but we provide the support system and recognition for those employees who enjoy their work and wish to put in the efforts (this includes ensuring companies have in-house sleeping bags and showers!). We neither encourage nor discourage such practices as it may affect attracting right talent in future, nor do we say that such kind of contribution in terms of long working hours are the criteria for career growth at the companies we consult as we understand the importance of a very talented person working normal working hours too. However, we do provide support system and career growth paths for those who have the will to contribute too.
– The first filters start at the application stage itself where Return40 rejects business proposals not worth pursuing.
– The second filter starts in the detailed business planning process. This prevents all failures that take place due to lack of thinking through. Many things may not happen as planned but advanced, detailed planning reduces risk to a great extent.
– Though our consultants help all applicants with guidance whenever any applicant needs guidance, Return40 often realizes a lot of applicants are at different stage of maturity of having capabilities to plan and lead a business. It maybe a matter of time before they acquire such skills and Return40 keeps the option of funding them open but they need to contribute more in planning and build various skills before their plan is taken up by a consultant for further planning. This often requires them to gain tremendous amounts of skills and knowledge.
– Detailed business planning also reduces execution risk. Many final version of business plans are 100+ pages of original content. This speeds up work after funding is received.
– Presence of a business consultant trained across sales, marketing, finance and business strategy greatly reduces risk compared to new business that are started by people who have the technical skills but do not have the business skills.
– The final business plan is such that it creates an actual vision of all important steps involved (e.g. the marketing channels that will be tested, the way leads will be generated and even the content of the advertisements that will be shown are planned in advance and investors can review the same.)
– Consultant prepares the plan from all specific angles ensuring no areas are missed. Future key team members are also searched for at this stage and selected based on how they contribute to planning.
– Multiple consultants review the plan, modify it and need to approve it before it is sent to investors for review.
– For business plans which are close to being finalised, Return40 involves external industry specific experts to review business plan, help with planning and serve as advisers to the company. This further reduces risk.
– Investors can review business plans and can decide which they want to invest in which serves as another additional filter.
– Once each business is formed, it undergoes regular strategy and execution risk audits by other internal or external consultants where most crucial aspects of the business are reviewed and improved.
– Each consultant and Co-CEO can receive mentoring and guidance from the entire network of other consultants and other Co-CEOs of other companies.
– Triggers are set on a regular basis for each company, which are minimum targets that if not achieved, result in written advice to investors to close the company and dissolve the residual assets or follow an alternate suggested course of action. Investors can vote on what they wish to do.
You can register on website only after you have become part of a WhatsApp group.
Return40 cannot show business plans to all Invespreneurs to avoid information being leaked so we show them only to few potential Invespreneurs at time.
Since Return40 has a long queue of Invespreneurs looking to invest, we have to prioritize whom to show the business plan.
A combination of factors are considered with respect to who gets a chance to review business plans and invest such as referral count, amount interested to invest, proportion of amount invested in past compared to number of business plans reviewed till that date.
Even by the law of averages, the investment returns should definitely be much more than what you achieve by investing in established businesses, such as companies listed on stock exchanges. Return40 can establish statistics only with time as more and more companies are formed and investment returns are monitored.
Full time employees are always hired on client payroll to avoid unnecessary GST charges. However, it can be very difficult to find part time resources at low costs. Hence we offer at-cost shared services for clients who need part-time resources for basic activities like accounting, administration, recruitment etc and maintain a separate shared services entity to account for them. Our shared service offerings are growing with time so till then, for those services we cannot provide, we arrange for significant bulk discounts from external providers. For example, if three of our clients need a accounting and administrative assistant on a part time basis, a full time resource is hired by the shared service entity and shared by the three clients. The companies pay labour cost + fixed overheads. The overheads are those which the company themselves would have incurred if the resource would have been hired by themselves. This involves showing proofs to clients of actual labour costs. If sourced externally, such resources may cost 2X to 10X their labour costs.
Individuals need to become part of a WhatsApp Group Community where they can ask questions and get replies from us to their questions. People also benefit from questions sent by other group members and our replies to those queries. This helps you familiarize yourself with the environment in which Return40 operates and feel a part of the community we are creating. It is compulsory to become part of Whatsapp group before you register on website. You can do so by clicking on the green Whatsapp button below anytime 24*7. If you are on mobile, Whatsapp app will directly open up with our prefilled number and a prefilled messaged. You just have to click on “Send" to send the Whatsapp message. We will allocate you a group on the next working day if it is late.