Effective Date: September 1, 2026

1. Introduction

This Account Access, Restrictions & Restoration Policy ("Policy") explains how Vestra ("Vestra," "we," "our," or "us") manages account access, restrictions, suspensions, enforcement actions, appeals, and account restoration.

As a digital real estate investment platform, Vestra has a responsibility to maintain a secure, compliant, and trustworthy environment for all users. To protect investors, comply with legal and regulatory obligations, and safeguard the integrity of the Platform, Vestra may take action against accounts that present security, compliance, or operational risks.

This Policy should be read together with our:

• Terms of Service

• Privacy Policy

• KYC/AML Policy

• Risk Disclosure Statement

• Investment Disclaimer

2. Purpose

The purpose of this Policy is to:

• Protect users and their investments;

• Prevent fraud and financial crime;

• Maintain compliance with applicable laws;

• Protect Platform security;

• Prevent abuse of Vestra's services;

• Ensure fair enforcement of Platform rules;

• Provide a transparent process for account restoration and appeals.

Account restrictions are designed to protect the Platform and its users. A restriction does not necessarily mean that a user has engaged in misconduct or unlawful activity.

3. Types of Account Actions

Depending on the circumstances, Vestra may apply one or more of the following enforcement actions.

Level 1 – Warning

For minor policy violations, Vestra may issue a formal warning.

Examples include:

• Minor misuse of Platform features;

• Inappropriate communication with support;

• Repeated submission of incomplete information;

• Minor breaches of Platform policies.

Warnings are intended to educate users and encourage compliance.

Level 2 – Limited Account Restriction

A restricted account remains accessible but certain functions may be temporarily disabled.

Restrictions may include:

• Deposits disabled;

• Withdrawals disabled;

• Investments temporarily unavailable;

• Secondary marketplace access restricted;

• Referral rewards paused;

• Certain profile changes disabled.

Restrictions remain in place until the underlying issue has been resolved.

Level 3 – Temporary Suspension

A suspended account may be temporarily locked while Vestra conducts investigations or completes compliance reviews.

During suspension:

• Login access may be disabled;

• Transactions may be paused;

• Investments may be placed on hold where permitted by law;

• Withdrawals may be delayed;

• Marketplace access may be suspended.

Temporary suspension does not automatically indicate wrongdoing.

Level 4 – Permanent Account Termination

Where serious violations occur, Vestra may permanently terminate an account.

Permanent termination may include:

• Permanent loss of Platform access;

• Permanent removal from referral programs;

• Permanent restriction from future registrations;

• Reporting to competent authorities where required by law.

4. Strike System

Vestra may use a strike-based enforcement system for certain policy violations.

Examples include:

ViolationTypical ActionMinor misconductWarning or 1 StrikeRepeated minor violationsAdditional StrikesReferral abuseRestriction or SuspensionAbuse of customer supportStrike or RestrictionMultiple policy violationsSuspensionIdentity fraudImmediate TerminationMoney launderingImmediate TerminationTerrorist financingImmediate TerminationSubmission of forged documentsImmediate Termination

The number of strikes issued depends on the severity of the violation.

Vestra reserves the right to bypass the strike system and immediately suspend or terminate an account where necessary to protect users, comply with legal obligations, or prevent financial crime.

5. Reasons an Account May Be Restricted

An account may be restricted, suspended, or terminated for reasons including, but not limited to:

• Incomplete identity verification;

• Failure to complete KYC requirements;

• Anti-Money Laundering (AML) reviews;

• Suspicious transaction activity;

• Fraud investigations;

• Chargebacks;

• Payment disputes;

• Submission of inaccurate information;

• Forged or altered identification documents;

• Identity theft concerns;

• Multiple accounts belonging to the same individual without authorization;

• Account sharing;

• Unauthorized access attempts;

• Suspicious login activity;

• Sanctions screening results;

• Court orders;

• Government requests;

• Regulatory investigations;

• Referral fraud;

• Marketplace manipulation;

• Abuse of promotional campaigns;

• Harassment of users or employees;

• Threatening or abusive conduct;

• Spam;

• Attempted hacking or unauthorized access;

• Malware distribution;

• Platform exploitation;

• Violation of applicable laws;

• Breach of Vestra's Terms of Service or Platform policies.

This list is not exhaustive.

6. Effects of an Account Restriction

Depending on the circumstances, restrictions may affect one or more Platform features.

Examples include:

• Login access;

• Deposits;

• Withdrawals;

• Investment purchases;

• Secondary marketplace participation;

• Referral rewards;

• Promotional bonuses;

• Wallet functionality;

• Account settings;

• Profile updates;

• Communication preferences.

Where required by law or operational necessity, existing investments may continue to be administered even while an account is restricted.

7. Compliance Reviews

Vestra may place accounts under review to comply with:

• Know Your Customer (KYC) requirements;

• Anti-Money Laundering (AML) obligations;

• Counter-terrorism financing requirements;

• Sanctions regulations;

• Fraud prevention procedures;

• Internal security reviews;

• Legal obligations.

Compliance reviews may require users to provide additional documentation before account access can be restored.

8. Restoration Process

Users whose accounts have been restricted or suspended may request restoration where appropriate.

During the restoration process, Vestra may request:

• Government-issued identification;

• Proof of address;

• Source of funds documentation;

• Source of wealth documentation where applicable;

• Bank statements;

• Payment confirmations;

• Selfie verification;

• Video verification;

• Additional identity verification;

• Supporting documentation relevant to the investigation.

Each restoration request is reviewed individually.

Submitting a restoration request does not guarantee that access will be restored.

9. Administrative Restoration Fees

Most account restorations resulting from routine security checks or standard strikes will not incur a fee.

However, where restoration requires significant manual investigation, compliance reviews, enhanced due diligence, third-party verification services, or extensive compliance reviews, Vestra may charge a reasonable administrative restoration fee where permitted by applicable law.

Any applicable fee will:

• Be communicated before restoration proceeds;

• Reflect the nature and complexity of the review;

• Include any third-party verification costs where applicable.

Where payment is made in a different currency, the final amount payable will be determined using the applicable exchange rate provided by the payment processor or financial institution at the time of payment.

Payment of a restoration fee does not guarantee that an account will be restored.

10. Appeals

If you believe your account has been incorrectly restricted, suspended, or terminated, you may submit an appeal through:

• Email;

• Contact Form; or

• Live Chat.

Appeals should include:

• Your account details;

• A description of the issue;

• Any supporting documentation;

• Any information you believe is relevant to the review.

Vestra will review each appeal fairly and objectively.

Our decision following an appeal shall be final unless additional information becomes available.

11. Repeat Violations

Repeated policy violations may result in progressively stronger enforcement actions.

These may include:

• Additional strikes;

• Longer suspension periods;

• Permanent removal from referral programs;

• Marketplace restrictions;

• Permanent account termination.

Vestra is not required to issue multiple warnings before taking enforcement action.

12. Regulatory Holds

Certain restrictions may remain in place because of legal or regulatory obligations beyond Vestra's control.

Examples include:

• Court orders;

• Government investigations;

• Financial crime investigations;

• Sanctions compliance;

• Payment disputes;

• Banking investigations;

• Tax authority requests.

Such restrictions may continue until Vestra is legally permitted to remove them.

13. No Compensation

Users are not entitled to compensation for losses arising from lawful account restrictions, suspensions, compliance reviews, or investigations.

This includes, but is not limited to:

• Missed investment opportunities;

• Delayed withdrawals;

• Referral rewards;

• Promotional incentives;

• Market gains that were not realized during the restriction period.

Nothing in this section limits any rights that cannot be excluded under applicable law.

14. Cooperation with Authorities

Where required by law, Vestra may cooperate with:

• Financial regulators;

• Courts;

• Law enforcement agencies;

• Financial intelligence units;

• Tax authorities;

• Government agencies.

Such cooperation may include providing information, preserving records, or maintaining account restrictions as required by applicable law.

15. Policy Updates

Vestra may revise this Policy from time to time to reflect changes in:

• Applicable laws;

• Regulatory obligations;

• Security practices;

• Compliance requirements;

• Platform operations.

Updated versions will be published on the Platform with a revised Effective Date.

Continued use of the Platform after the Effective Date constitutes acknowledgment of the revised Policy.

16. Contact Us

If you have questions regarding this Account Access, Restrictions & Restoration Policy or wish to appeal an account restriction, please contact us through:

Email: support@vestraproperties.pro

Contact Form: Available through the Platform

Live Chat: Available through the Platform