Effective Date: September 1, 2026

1. Introduction

This Investment Disclaimer ("Disclaimer") explains the nature of the information and services provided by Vestra ("Vestra," "we," "our," or "us") through our website, mobile applications, and related services (collectively, the "Platform").

Vestra is a digital real estate investment platform that provides eligible users with access to fractional real estate investment opportunities. This Disclaimer is intended to help users understand the limitations of the information available on the Platform and should be read together with our:

  • Terms of Service

  • Privacy Policy

  • KYC/AML Policy

  • Risk Disclosure Statement

By accessing or using the Platform, you acknowledge that you have read and understood this Disclaimer.

2. No Financial Advice

The information provided on the Platform is for general informational and educational purposes only.

Nothing contained on the Platform constitutes or should be interpreted as:

  • Financial advice;

  • Investment advice;

  • Legal advice;

  • Tax advice;

  • Accounting advice;

  • Estate planning advice; or

  • A recommendation to purchase, sell, or hold any investment.

Vestra does not provide personalized investment recommendations based on your financial circumstances, objectives, or risk tolerance.

Any investment decision remains solely your responsibility.

3. No Fiduciary Relationship

Your use of the Platform does not create:

  • A fiduciary relationship;

  • An investment advisory relationship;

  • A broker-client relationship;

  • A financial planner relationship; or

  • Any similar professional advisory relationship between you and Vestra.

You remain solely responsible for evaluating whether an investment is suitable for your personal financial circumstances.

4. Independent Investment Decisions

You are solely responsible for:

  • Evaluating investment opportunities;

  • Conducting your own research;

  • Reviewing all available investment information;

  • Assessing your financial situation;

  • Understanding the risks involved;

  • Seeking professional advice where appropriate.

Before making any investment, you should carefully consider your investment objectives, financial resources, liquidity needs, and ability to tolerate potential losses.

5. No Guarantee of Returns

Vestra does not guarantee:

  • Investment performance;

  • Profitability;

  • Rental income;

  • Property appreciation;

  • Capital preservation;

  • Dividend or income distributions;

  • Exit opportunities;

  • Liquidity; or

  • Future financial results.

Any projected returns, forecasts, estimated rental income, occupancy rates, market analyses, or financial models are provided solely for illustrative purposes and should not be interpreted as guarantees.

6. Investment Risks

All investments involve risk.

Real estate investments may be affected by:

  • Changes in property values;

  • Market conditions;

  • Economic downturns;

  • Interest rate fluctuations;

  • Inflation;

  • Regulatory changes;

  • Tax changes;

  • Vacancy rates;

  • Tenant defaults;

  • Maintenance costs;

  • Environmental events;

  • Natural disasters;

  • Operational challenges.

Investors may lose part or all of their invested capital.

Additional information regarding investment risks is provided in our Risk Disclosure Statement.

7. Property Information

Information presented on the Platform regarding investment opportunities may include:

  • Property descriptions;

  • Images;

  • Financial information;

  • Market analyses;

  • Occupancy information;

  • Rental projections;

  • Development plans;

  • Historical performance.

While Vestra makes reasonable efforts to ensure information is accurate at the time of publication, we do not warrant that all information will remain complete, current, or error-free.

Property information may change without prior notice.

8. Third-Party Information

Certain information displayed on the Platform may originate from third parties, including:

  • Property developers;

  • Property managers;

  • Independent valuers;

  • Market research providers;

  • Government agencies;

  • Financial institutions;

  • Public records.

Although Vestra seeks to work with reputable sources, we cannot guarantee the completeness or accuracy of third-party information.

9. Future Performance

Statements regarding expected performance, projected returns, estimated occupancy, rental income, exit values, appreciation, or market growth are forward-looking statements.

Forward-looking statements are based on assumptions available at the time they are prepared and involve uncertainties that may cause actual results to differ materially.

Nothing on the Platform should be interpreted as a promise or guarantee of future performance.

10. Regulatory Compliance

Investment opportunities offered through the Platform are made subject to applicable laws and regulatory requirements.

Availability of investments may depend on factors including:

  • Your jurisdiction;

  • Successful identity verification;

  • Regulatory eligibility;

  • Compliance with applicable laws;

  • Internal compliance reviews.

Vestra reserves the right to refuse or restrict access to investment opportunities where required by law or regulation.

11. Payment and Banking Services

Vestra is not a bank, credit union, payment institution, or deposit-taking institution.

Banking, payment processing, custody, escrow, settlement, and related financial services may be provided by regulated third-party financial institutions or licensed service providers.

Funds processed through these providers remain subject to their respective terms, operating procedures, and regulatory obligations.

12. Tax Responsibilities

Investors are solely responsible for understanding and complying with their own tax obligations arising from investments made through the Platform.

Vestra does not provide tax advice and recommends consulting a qualified tax adviser regarding your individual circumstances.

Where required by law, Vestra may issue tax-related documentation or report information to relevant authorities.

13. Availability of the Platform

While Vestra aims to provide continuous access to the Platform, we do not guarantee uninterrupted availability.

Access may be affected by:

  • Scheduled maintenance;

  • Technical failures;

  • Cybersecurity incidents;

  • Internet disruptions;

  • Third-party service interruptions;

  • Regulatory actions;

  • Events beyond our reasonable control.

Temporary interruptions do not create liability for Vestra.

14. Third-Party Services

The Platform may integrate with or rely upon third-party services including:

  • Identity verification providers;

  • Banks;

  • Licensed payment processors;

  • Digital wallet providers;

  • Custodians;

  • Escrow providers;

  • Cloud infrastructure providers;

  • Communication platforms.

Vestra is not responsible for the independent services, policies, or operational decisions of these third parties.

15. Limitation of Reliance

You acknowledge that any investment decision you make is based on your own independent assessment.

You should not rely solely upon:

  • Marketing materials;

  • Platform content;

  • Investment summaries;

  • Projected returns;

  • Illustrations;

  • Historical performance;

  • Statements made by other users.

Independent professional advice should be obtained where appropriate.

16. Changes to this Disclaimer

Vestra may revise this Disclaimer from time to time to reflect changes in applicable laws, Platform services, business operations, or regulatory requirements.

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 Disclaimer.

17. Contact Us

If you have any questions regarding this Investment Disclaimer, please contact us through:

Email: support@vestraproperties.pro

Contact Form: Available through the Platform

Live Chat: Available through the Platform