Investor Terms and Conditions

Additional terms governing investment features of the platform

Last updated: September 30, 2026

1. Purpose and Relationship to the Terms of Service

These Investor Terms and Conditions govern the investment features of the Platform and apply in addition to, not in place of, the general Terms of Service. Where these Terms and the Terms of Service address the same subject differently, these Terms govern for investment-related activity specifically. You must agree to these Terms, and acknowledge the Risk Disclosure, before your first investment.

2. Eligibility to Invest

Investing is available only to accounts that have completed identity verification and been confirmed as an accredited investor, individually or through a business account, consistent with the Minimum Age and Investor Eligibility Requirements document maintained by Yieldz. Meeting these requirements makes investing available; it does not itself constitute an offer, and an organization may decline a specific prospective investor for its own offering for a legitimate business reason.

3. Accreditation Verification

Accredited investor status is verified by a registered broker-dealer under the safe harbor recognized by Rule 506(c) of Regulation D, and is valid for ninety days from the date verification is completed. A new investment made after that window requires re-verification. Yieldz relies on the outcome of that verification; it does not independently assess your financial qualifications.

4. How an Investment Works

Purchasing a token involves an eligibility check, review and acknowledgment of the offering's own documents, and a single signed transaction that settles directly between you and the organization issuing the token. Depending on the instrument, tokens are delivered immediately or within a window the organization sets, up to a maximum of sixty days. These mechanics are described in full in the Investment Transaction Flow document, incorporated by reference.

5. Lockup

Each investment is subject to a restriction period of at least twelve months from the date of delivery, during which it cannot be transferred or sold, consistent with the minimum holding period contemplated by Regulation D. An organization may set a longer restriction period for its own offering. Each investment you make is restricted independently, on its own schedule.

6. Redemption

An organization may, at its own discretion, offer to redeem tokens it has issued once their restriction period has ended. Redemption is never guaranteed, may be limited by the funds an organization has made available for that purpose, and may be subject to a fee. Full detail is set out in the Token Purchase, Redemption, and Withdrawal Policy.

7. Refunds and Cancellation

A signed investment transaction cannot be reversed once submitted. The circumstances in which a refund may occur, and how the platform's fee is treated in that circumstance, are described in the Refund and Cancellation Policy, incorporated by reference.

8. Regulatory Status

Offerings made available through the Platform are made under an exemption from registration with the U.S. Securities and Exchange Commission, most commonly Rule 506(c) of Regulation D. An offering made under this exemption has not been reviewed or approved by the SEC or any state regulator, and is subject to resale restrictions under applicable securities law. Tokens purchased through the Platform are not deposits, are not insured by the FDIC, and are not protected by SIPC.

9. No Investment Advice or Suitability Review

Yieldz does not recommend any offering, does not assess whether a specific offering is suitable for you, and does not act as your investment adviser or broker. Listing an offering means it has met Yieldz's own platform-wide review standard; it is not a representation that the offering is appropriate for any individual investor.

10. Risk Acknowledgment

By investing through the Platform, you acknowledge that you have read and understood the Risk Disclosure, and that you are investing with an understanding of the risks it describes, including the possibility of losing your entire investment.

11. Electronic Signatures and Electronic Delivery

This section describes how documents related to your investment are delivered to you, and requires your consent before you can invest.

You consent to transact business electronically and to sign offering documents, subscription agreements, and related records using an electronic signature, in compliance with the Electronic Signatures in Global and National Commerce Act and equivalent state law. An electronic signature binds you in the same manner as a handwritten one, and an electronic record satisfies any requirement that a document be provided to you in writing.

You consent to receive all records related to your investment electronically, whether those records are delivered by Yieldz directly or by a party engaged to support the investment process on Yieldz's platform, including a broker-dealer, an identity or accreditation verification provider, or a document-signing provider. This includes offering documents, subscription agreements, confirmations, account statements, tax-related documents, regulatory notices, and any amendment to them. You agree that a record delivered this way satisfies any legal requirement that it be provided in writing, regardless of which of these parties delivered it.

11.3 Delivery Is Electronic Only

Electronic delivery is a condition of investing through the Platform, not an option among alternatives. Yieldz does not offer paper delivery of investment-related records, and investing through the Platform requires you to consent to electronic delivery as described in this section. If you are not able or willing to receive records electronically, you should not use the investment features of the Platform.

You represent that you have access to a device and software capable of receiving, accessing, and retaining electronic records, including the ability to view and save a PDF document, and that you will notify Yieldz if the email address or device associated with your account changes.

You may withdraw consent to electronic delivery by contacting legal@yieldz.net. Because electronic delivery is a condition of investing, withdrawing consent will end your ability to make further investments through the Platform, though it will not affect any investment already made or any obligation already incurred. Withdrawal does not affect the validity of any electronic record delivered before your consent was withdrawn.

12. Miscellaneous

These Terms are incorporated into, and governed by the same law and dispute resolution provisions as, the Terms of Service. Capitalized terms not defined here have the meaning given in the Terms of Service.