Effective Date: September 1, 2026

1. Introduction

This Refund Policy ("Policy") explains when refunds may or may not be available for payments made through Vestra ("Vestra," "we," "our," or "us").

Vestra is a digital real estate investment platform that facilitates investments in fractional real estate opportunities. Because many transactions involve financial investments rather than the purchase of traditional goods or services, refunds are subject to specific conditions and legal requirements.

This Policy should be read together with our:

• Terms of Service

• Privacy Policy

• KYC/AML Policy

• Investment Disclaimer

• Risk Disclosure Statement

By using the Platform, you agree to this Refund Policy.

2. General Refund Principle

Not all payments made through the Platform are eligible for a refund.

Whether a payment can be refunded depends on:

• The nature of the transaction;

• Whether investment funds have already been committed;

• Regulatory requirements;

• Applicable law;

• Any specific terms applicable to the investment or service.

Each request is reviewed individually.

3. Investment Transactions

Once investment funds have been successfully committed to an investment opportunity, they are generally non-refundable.

This includes situations where:

• The investment has been confirmed;

• Ownership interests have been allocated;

• Investment agreements have become effective;

• Funds have been transferred to the applicable investment structure, custodian, escrow provider, or settlement process.

Investment performance, market conditions, or changes in property value do not create a right to a refund.

4. Pending Transactions

Where a payment has been initiated but the investment has not yet been finalized, Vestra may, where operationally possible and legally permitted:

• Cancel the transaction;

• Return the funds to the original payment source;

• Credit the funds to your Vestra account for future investments.

Whether cancellation is possible depends on the processing stage of the transaction.

5. Failed or Unsuccessful Transactions

If a transaction cannot be completed due to:

• Technical failures;

• Banking issues;

• Payment provider errors;

• Compliance restrictions;

• System interruptions; or

• Other operational issues,

Vestra may reverse the transaction or arrange for eligible funds to be returned using the original payment method where practicable.

Processing times may vary depending on banks and payment providers.

6. Duplicate Payments

If duplicate payments are received due to a technical or processing error, Vestra will investigate the matter.

Where a duplicate payment is confirmed, the excess amount will be refunded or credited, subject to applicable compliance checks.

7. Unauthorized Transactions

If you believe a payment or transaction was unauthorized, you should notify Vestra immediately through our available support channels.

We may request additional information to investigate the matter.

During the investigation, Vestra may:

• Temporarily suspend the transaction;

• Restrict account activity;

• Request identity verification;

• Cooperate with financial institutions or law enforcement where appropriate.

Refunds for unauthorized transactions will be handled in accordance with applicable law and the policies of the relevant payment providers.

8. Compliance Reviews

Vestra may delay, withhold, or decline refunds where necessary to:

• Complete identity verification;

• Conduct Anti-Money Laundering (AML) reviews;

• Prevent fraud;

• Comply with sanctions regulations;

• Meet legal or regulatory obligations;

• Resolve payment disputes.

Refund requests may remain pending until compliance reviews have been completed.

9. Payment Method

Where a refund is approved, Vestra will generally attempt to return funds using the original payment method.

If this is not reasonably possible, refunds may be issued using another lawful method determined by Vestra, subject to identity verification and applicable regulations.

10. Processing Time

Approved refunds are processed as promptly as reasonably practicable.

Actual processing times depend on several factors, including:

• Banking systems;

• Payment processors;

• Card networks;

• Regulatory reviews;

• Public holidays;

• International payment processing.

Vestra is not responsible for delays caused by third-party financial institutions.

11. Fees

Platform fees, transaction fees, processing fees, or other service charges may be:

• Non-refundable;

• Partially refundable; or

• Fully refundable,

depending on the specific service, applicable law, and the circumstances surrounding the transaction.

Where fees are non-refundable, this will be disclosed before the transaction is completed whenever reasonably practicable.

12. Chargebacks

Users should contact Vestra before initiating a payment dispute or chargeback with their financial institution.

Submitting an unjustified chargeback after receiving investment services or completing an investment may result in:

• Suspension of your account;

• Temporary restriction of withdrawals;

• Recovery proceedings where permitted by law;

• Permanent closure of your account.

Nothing in this section limits your legal rights to dispute unauthorized or fraudulent transactions.

13. Fraudulent Activity

Refunds will not be issued where Vestra reasonably determines that a transaction involved:

• Fraud;

• Identity theft;

• Money laundering;

• False information;

• Misrepresentation;

• Unauthorized account creation;

• Violation of our Terms of Service;

• Abuse of promotional offers or referral programs.

Vestra reserves the right to cooperate with financial institutions and law enforcement where fraudulent activity is suspected.

14. Exceptional Circumstances

In exceptional situations, Vestra may approve refunds outside this Policy where doing so is considered appropriate, fair, or legally required.

Approval of one refund does not create an obligation to approve future refunds under similar circumstances.

15. Changes to this Policy

Vestra may revise this Refund Policy from time to time to reflect changes in our services, legal obligations, payment processes, or business operations.

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

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

16. Contact Us

If you have questions regarding this Refund Policy or wish to request a review of a transaction, please contact us through:

Email: support@vestraproperties.pro

Contact Form: Available through the Platform

Live Chat: Available through the Platform