Investment disclaimer

Opportunities presented on imvesters.ch are intended for informed investors and involve significant risks, including partial or total loss of invested capital. Returns are projections, not guarantees, and depend in particular on the borrower's ability to repay.

The platform does not hold a FINMA authorization and is not subject to FINMA prudential supervision. Read this Disclaimer and the contractual documentation for each opportunity before making any investment decision.

Content published on imvesters.ch is provided for informational and commercial purposes only. It does not constitute personalized investment advice, legal advice, tax advice, an investment recommendation or a public offer.

Each investor is responsible for their own decisions and must assess whether an opportunity matches their financial situation, objectives and risk tolerance.

imvesters.ch is operated by S2I (Swiss Innovative Investment) SA, a Swiss company based in Lausanne, Switzerland.

S2I is affiliated with ARIF for AML and FinSA purposes. Gillian Nespolo is registered in the ARIF client advisor register under number 4038, and the competent mediation body is FINSOM.

S2I does not hold a FINMA authorization, is not subject to FINMA prudential supervision and does not conduct banking activity. Investor funds are not protected by a deposit guarantee scheme.

The platform acts as an intermediary facilitating loans to SPVs or project companies. It does not provide portfolio management, personalized advice or performance guarantees.

Any investment presented by imvesters.ch involves a risk of partial or total loss of invested capital. No guarantee can be given regarding recovery of the initial capital.

The value of the underlying asset and project liquidity depend on operational performance, the local real estate market, macroeconomic conditions, the legal and tax structure, and decisions specific to each project.

Returns shown on the website, including indicative rates, projected returns, target IRR or multiples, are projections and not guarantees. The actual return may be lower or negative.

The effective return depends in particular on the borrower's ability to repay principal and interest. Any delay, partial default or total default directly affects investor remuneration.

Investments presented on the website are generally illiquid. There is no organized secondary market. Investors must be able to immobilize their capital for the expected investment period, which may extend over several years.

No early exit is guaranteed. Even where an exit or investor-matching mechanism is contemplated, its availability, price and execution time are not guaranteed.

Although some projects may benefit from security interests, such as mortgages, guarantees or pledges, these do not guarantee full coverage of invested capital in case of borrower default.

Enforcing security interests may be lengthy, uncertain and costly. Net proceeds may be insufficient to cover principal and interest due.

Project execution depends on third parties such as developers, builders, operators, managers, tenants, banks, technical providers and fiduciary intermediaries. Failure, insolvency, poor performance, dispute or delay by a third party may affect return, liquidity or capital value.

The investor acknowledges direct counterparty risk on the SPV or project company receiving the loan.

A concentrated exposure to a single project, developer, market segment or geographic area exposes the investor to significantly increased risk. Diversification is recommended and no opportunity should represent all or a majority of an investor's assets.

For projects denominated in or exposed to currencies other than Swiss francs, exchange rate fluctuations may have a positive or negative impact on investment value and effective return received in CHF.

The tax treatment of an investment depends on each investor's personal situation and country of residence and may change over time.

The Company does not provide personalized tax advice. Investors should consult an independent tax advisor to assess tax consequences.

Legislative or regulatory changes may affect the profitability, feasibility, liquidity or value of a project. The Company's regulatory status may also evolve over time and any material change will be reflected by updating this Disclaimer.

Investor funds are not held by the Company. They transit through segregated escrow or payment accounts held by regulated third-party financial intermediaries.

The Company does not conduct banking activity. Funds paid are not bank deposits and do not benefit from esisuisse or any other deposit protection scheme.

Opportunities presented on the website are not directed, directly or indirectly, at US Persons or at persons located in jurisdictions where promotion or marketing of such products would be contrary to local law. Each user must verify that they may legally access the content and invest.

Opportunities presented on the website are intended for investors who:

• have the financial capacity and willingness to bear a total loss of invested capital;
• have a long investment horizon compatible with illiquidity;
• have sufficient experience in real estate and financial markets or seek independent financial advice;
• diversify their assets so that no opportunity represents a majority of their wealth.

Before any investment decision, the investor must review all contractual documentation specific to each opportunity, which prevails over any marketing content published on the website.

In case of doubt, the investor should consult an independent financial, legal or tax advisor.

All information published on the website is provided for informational purposes and may be changed without notice. The Company cannot be held liable for the accuracy, completeness or timeliness of information, subject to mandatory Swiss law.

To the extent permitted by law, the Company's liability is limited to direct damages resulting from gross negligence or intentional misconduct.

The user acknowledges having read and understood this Disclaimer. Access to opportunities and contractual documentation may be subject to explicit acceptance of this document before project files or investment expressions of interest are made available.

Any complaint may be sent in writing to Imvesters c/o S2I (Swiss Innovative Investment) SA, Voie du Chariot 3, 1003 Lausanne, or by email to info@imvesters.ch with the subject 'Complaint'. The Company endeavors to provide a reasoned response within 30 days.

Failing an amicable resolution, the user may contact FINSOM (Financial Services Ombudsman) free of charge in accordance with art. 74 FinSA.

This Disclaimer is governed by Swiss law, excluding conflict-of-law rules. Any dispute relating to its interpretation or performance is subject to the ordinary courts of the Canton of Vaud in Lausanne, subject to mandatory consumer protection rules.