Answer:
Funds in an individual (employee) sparkfolios wallet will carry over from one financial year to the next. The funds will be available if you are employed with your current employer.
When an employee resigns and there are still funds in the wallet, those funds are then reversed to the employer account 21 days after the sparkfolios system resigns the individual. The money never belongs to Sparkfolios, always either to the employer or employee. If the "resigned" employee contacts us any time after their resignation to get access to the fund we will assist with such withdrawal if the employer grants us this right.