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Draft — pending legal review. This document is a working template and does not yet constitute final, legally binding terms. It must be reviewed and approved by qualified counsel before launch.

Terms of Service

Last updated: June 2026

These Terms of Service (“Terms”) govern your access to and use of the Assukna platform, websites, and mobile applications (together, the “Platform”) operated by Assukna Real Estate SARL and its affiliates (“Assukna”, “we”, “us”, or “our”). By creating an account, checking the acceptance box at registration, or otherwise using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Who may use the Platform

You must be at least 18 years old and have the legal capacity to enter into a binding contract. You may only use the Platform if you can lawfully do so in your country of residence and the jurisdiction from which you access it. You are responsible for ensuring that your use complies with all laws that apply to you. We may restrict access from certain jurisdictions and may decline to open, or may suspend or close, any account at our discretion.

2. Nature of the service

Assukna offers a technology platform that enables eligible users to acquire fractional interests in real-estate investment opportunities (“Deals”). The Platform provides information, account management, a funding wallet, and record-keeping. Assukna is not a bank, and amounts held in your wallet are not deposits and are not insured as bank deposits.

No advice. Nothing on the Platform is investment, legal, tax, or accounting advice, and no content should be relied on as a recommendation to enter into any transaction. You are solely responsible for evaluating each Deal and should seek independent professional advice before investing.

3. Account registration and security

  • You must provide accurate, current, and complete information and keep it up to date.
  • You are responsible for safeguarding your credentials and for all activity under your account.
  • You must notify us promptly of any unauthorized use or suspected security breach.
  • We may require you to re-verify your identity at any time.

4. Identity verification (KYC/AML)

Before you can invest, you must complete identity verification (“KYC”) through our third-party verification provider. We are required to perform know-your-customer, anti-money-laundering, and sanctions screening, and we may refuse, delay, suspend, or reverse activity, or report it to authorities, where we deem it necessary to comply with applicable law. You agree to provide any information or documentation we reasonably request.

5. Wallet, deposits, and withdrawals

  • Funds added to your Platform wallet may be used to fund investments in Deals.
  • Deposits may be made through the supported payment methods shown at checkout; processing is handled by third-party payment providers subject to their own terms.
  • Withdrawals of available (uninvested) balance are subject to verification and may be reviewed before payout.
  • You may only fund your wallet from sources that you own and that are lawfully yours.

6. Investments

When you commit funds to a Deal, you authorize us to debit your wallet for the committed amount. Each investment is subject to any deal-specific documentation presented to you at the time of investment, which forms part of your agreement. Minimum investment amounts, fees, expected yields, and holding periods are described per Deal and may change for future Deals. Expected or projected returns are estimates only and are not guaranteed.

7. Fees

Applicable fees are disclosed on the Platform before you incur them. We may change our fees prospectively by posting updated terms; changes do not apply retroactively to investments already made.

8. Risk acknowledgement

Investing in real estate involves significant risk, including the possible loss of your entire investment. You confirm that you have read and understood our Risk Disclosure before investing.

9. Prohibited conduct

You agree not to:

  • use the Platform for any unlawful, fraudulent, or money-laundering purpose;
  • provide false information or impersonate any person or entity;
  • attempt to gain unauthorized access to the Platform or other users’ accounts;
  • interfere with, disrupt, or place undue load on the Platform or its security features;
  • scrape, reverse engineer, or copy the Platform except as permitted by law.

10. Intellectual property

The Platform and all related content, trademarks, and software are owned by Assukna or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Platform for its intended purpose. No other rights are granted.

11. Third-party services

The Platform relies on third-party providers for payments, identity verification, communications, and infrastructure. We are not responsible for the acts or omissions of those providers, and your use of their services may be subject to their own terms and privacy policies.

12. Suspension and termination

We may suspend or terminate your access at any time, including where we believe you have breached these Terms, where required by law, or to protect the Platform or other users. You may close your account at any time; certain obligations and existing investments survive termination.

13. Disclaimers

To the maximum extent permitted by law, the Platform is provided “as is” and “as available” without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or secure.

14. Limitation of liability

To the maximum extent permitted by law, Assukna and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or investment value, arising from or related to your use of the Platform. Nothing in these Terms limits liability that cannot be limited under applicable law.

15. Indemnification

You agree to indemnify and hold Assukna harmless from any claims, losses, or expenses (including reasonable legal fees) arising out of your breach of these Terms or your misuse of the Platform.

16. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a revised “last updated” date and, where appropriate, notify you. Your continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

17. Governing law and disputes

These Terms are governed by the laws of the jurisdiction of Assukna’s principal place of business, without regard to conflict-of-laws rules, and the courts of that jurisdiction will have exclusive jurisdiction over any dispute, except where mandatory consumer-protection law provides otherwise. [Confirm governing-law jurisdiction and dispute-resolution mechanism with counsel.]

18. Contact

Questions about these Terms can be sent to legal@assukna.com.