Terms of Use of FinanceFarm AG

Version: February 14, 2026

These Terms of Use govern the use of the digital services operated by FinanceFarm AG, in particular the website, the online platform, the mobile applications, any dashboards, and all related functions and interfaces (together the “Platform”). They apply to all users, irrespective of whether a user merely visits the Platform or registers and uses functions that require identification, payments or transactions. The General Terms and Conditions of FinanceFarm AG (the “GTC”) apply additionally and as an integral part of the contractual relationship.

1. Scope and contractual structure

1.1 These Terms of Use govern the use of the Platform and supplement the GTC. The GTC provide the general framework for services, processes and obligations in connection with the Platform and form part of the contractual relationship (cf. GTC clause 2.1 and the definition of the Platform/“FinanceFarm infrastructure” in the GTC).

1.2 Additional terms and documents may apply to specific products, deals, user roles or transactions, in particular deal-specific terms and parameters, subscription or acquisition confirmations, purchase agreements (with or without a buy-back option), repurchase mechanisms, escrow/deal-account arrangements, storage, transport and insurance terms, as well as auction and settlement rules. Such documents are displayed within the Platform or allocated to the relevant deal and form part of the contractual relationship (cf. GTC clause 2.2).

1.3 To the extent these Terms of Use use terms such as “Deal”, “Deal Parameters”, “Non-Bankable Assets”, “Tokenised Unit”, “Co-Ownership Interest”, “Wallet”, “Smart Contract”, “Escrow/Deal Account” or “Claim”, the definitions set out in the GTC apply unless these Terms of Use expressly define a term differently (cf. GTC clause 1).

2. Purpose of the Platform and basic understanding of the services

2.1 FinanceFarm AG provides digital infrastructure through which real assets that are typically not bank-financeable (“Non-Bankable Assets”) can be captured in a structured manner, documented, administered, marketed and—depending on the deal structure—integrated into technical processing and settlement logic (cf. GTC clause 1 and clause 3.3).

2.2 The Platform may technically support critical process steps, in particular through logging and—where a deal so provides—through smart-contract mechanisms, for example for the issuance and administration of tokenised units, the representation of lock-up status, settlement processing or the technical support of the claim process (cf. GTC clause 3.4, clause 6 and clause 14.2).

2.3 FinanceFarm AG owes careful processing and execution in accordance with the Deal Parameters displayed on the Platform and the applicable documentation; however, it does not give any assurance that a deal will achieve a particular economic result, that a sale will occur within a certain period, or that a specific sale price will be achieved (cf. GTC clause 15 and clause 17).

3. User roles, admission and general obligations

3.1 The Platform is intended for sellers, buyers, investors and other registered or non-registered visitors (cf. the definitions and introduction in the GTC).

3.2 FinanceFarm AG is entitled to make access to certain functions subject to prerequisites, in particular registration, verification, KYC/AML checks and security and plausibility checks (cf. GTC clause 4 and clause 5).

3.3 Users undertake not to misuse the Platform, not to circumvent Platform logic and not to perform any actions that are capable of jeopardising the processing of deals or the protection of co-ownership interests (cf. GTC clause 19 and additionally clause 5).

4. Representation, mandate and deal processing

4.1 In deal-related purchase and sale transactions, FinanceFarm AG acts, in accordance with the GTC and the deal documents, as the authorised representative of the respective participating buyers or co-owners (cf. GTC clause 3.6).

4.2 By acquiring or subscribing to tokenised units or co-ownership interests, the user grants FinanceFarm AG the necessary mandate to carry out the deal-related purchase, processing and exit actions as representative, including the implementation of distribution and claim processes in accordance with the deal-specific logic (cf. GTC clause 3.8 and clause 7.3).

4.3 The exit of an asset or a co-ownership position is carried out on the basis of the mandate granted and in accordance with the deal-specific sales process, including the selection of marketing channels, negotiations, conclusion with end buyers and settlement (cf. GTC clause 3.9 and clause 7).

4.4 Where side agreements or additional services are required for a deal, the mandate may also include the coordination and conclusion of deal-necessary additional agreements, in particular in relation to transport, storage, insurance, inspections, escrow and payment processing, whereby such services are often provided by third parties (cf. GTC clause 3.11 and clause 17.4).

5. Registration, account, authority to represent and security

5.1 Registration is required for key functions such as the acquisition or subscription of tokenised units, transactions, document uploads, payment and processing functions and access to deal reporting (cf. GTC clause 4.1).

5.2 The user warrants the accuracy and up-to-dateness of all information and updates changes without delay. Incomplete or inconsistent information may lead to restrictions, suspensions or the refusal of transactions (cf. GTC clause 4.2 and clause 19).

5.3 The user is obliged to keep access credentials with due care and to protect them against access by third parties. The user shall notify FinanceFarm AG without delay as soon as there is any suspicion of unauthorised access or other security breaches (cf. GTC clause 4.3).

5.4 If the user acts in the name of a legal entity, the user confirms its authority to represent and the existence of all necessary internal approvals. FinanceFarm AG may request evidence and may refuse access if authority to represent is missing or doubtful (cf. GTC clause 4.5).

6. Technical requirements, wallets and smart contracts

6.1 The user is responsible for ensuring that its technical systems meet the system requirements communicated within the Platform. FinanceFarm AG may define and adjust minimum technical requirements to the extent necessary for operation, security or compliance (cf. GTC clause 16.3).

6.2 Where tokenised units are used, a compatible wallet address may be required. The user is responsible for the set-up, management, security and compatibility of its wallet (cf. GTC clause 6.1 and the definition of “Wallet” in GTC clause 1).

6.3 FinanceFarm AG has no access to private keys or seed phrases. In the event of loss, theft or compromise, restoration will generally be excluded, and the user acknowledges that this may lead to irreversible losses (cf. GTC clause 6.2).

6.4 Where processing is carried out via smart contracts, the user acknowledges technical risks and the possibility that incorrect user information, third-party errors or security incidents may lead to losses (cf. GTC clause 6.3 and clause 15).

7. KYC/AML, compliance and audit rights

7.1 FinanceFarm AG is entitled and obliged to comply with applicable anti-money laundering and counter-terrorist financing requirements as well as other compliance and sanctions rules. The user undertakes to provide all information and documents required for identification and review fully, correctly and in due time and to cooperate in case of follow-up questions (cf. GTC clause 5.1).

7.2 The user acknowledges that FinanceFarm AG may temporarily block or refuse transactions, deposits, withdrawals, deal participations or claims where KYC/AML checks, source-of-funds or plausibility reviews, or official orders require this (cf. GTC clause 5.3 and clause 7.4).

7.3 If an investor reaches or exceeds daily investments of USD 1,000 (or the equivalent), an additional KYC/AML process may be triggered before further investments are enabled (cf. GTC clause 5.2).

8. Deal structure, rotation models and buy-back

8.1 FinanceFarm AG may structure deals based on different parameters. Where rotation models such as D-3, D-6 or D-9 are provided for within the Platform, these models serve to define target timeframes for holding period, marketing and exit. The user acknowledges that such timeframes are target and planning values and that actual implementation depends on market conditions and operational factors (cf. GTC clause 8.1).

8.2 Where a buy-back option or repurchase mechanism is provided for within a deal, the terms arise exclusively from the Deal Parameters and the deal-related contractual documentation. The user acknowledges that a buy-back option exists only if it is expressly indicated as part of the relevant deal and accepted by the user (cf. GTC clause 8.6 and the definition of “Buy-Back Option” in GTC clause 1).

8.3 FinanceFarm AG is entitled to adjust strategies, Deal Parameters and process steps at its due discretion where this is required to protect co-ownership interests, reduce risks or comply with legal or regulatory requirements (cf. GTC clause 8.2 and clause 3.12).

9. Payment flows, deal accounts, escrow and processing

9.1 FinanceFarm AG may use separate deal-related accounts, escrow structures or payment service providers to process deposits and withdrawals. Deposits and withdrawals are recorded separately per deal to the extent provided for in the deal (cf. GTC clause 7.1 and the definition of “Escrow/Deal Account” in GTC clause 1).

9.2 Deposits may be held in an escrow/deal account until the legal completion of the purchase transaction. As a rule, there is no entitlement to interest or compensation for the interim holding period unless expressly agreed otherwise (cf. GTC clause 7.2).

9.3 FinanceFarm AG is entitled to withhold withdrawals or distributions until the processing prerequisites pursuant to the deal logic have been fulfilled. The user acknowledges that this may include, in particular, the receipt and final booking of the sale proceeds, status events and, where applicable, technical confirmations within the Platform or—where provided for—on-chain events (cf. GTC clause 7.3 and clause 7.4).

10. Claim process, distributions and allocation

10.1 To the extent a distribution, payout or allocation within a deal is carried out via a claim process, the user acknowledges that the claim can only be triggered once the Platform designates the relevant deal as ready for payout and the prerequisites pursuant to the deal logic have been fulfilled (cf. GTC clause 7.3 and the definition of “Claim” in GTC clause 1).

10.2 The user acknowledges that payout or allocation is bound to the information and processing channels provided by the user and that incorrect information, incomplete KYC/AML data or technical issues on the user’s side may lead to delays (cf. GTC clauses 6.1 to 6.3 and clauses 5.1 to 5.3).

10.3 FinanceFarm AG may carry out additional checks to prevent misallocations, fraud or regulatory breaches before a claim is finally executed. Such checks do not constitute a breach of duty to the extent they are objectively justified (cf. GTC clause 5.3 and clause 7.4).

11. Reversal of transactions that do not materialise

11.1 If an intended purchase or participation transaction does not materialise, deposits already made will, as a rule, be returned to the extent the funds have not yet been used in accordance with the contract or to the extent no mandatory reasons prevent such return (cf. GTC clause 7.6).

11.2 As a rule, there is no entitlement to interest for the period between deposit and repayment unless mandatory law or an explicit deal-specific rule provides otherwise. The user also acknowledges that fees of banks, payment service providers or FX/conversion venues may arise and that such third-party fees may be charged under the Platform terms where such fees were not caused or assumed by FinanceFarm AG (cf. GTC clause 7.5 and clause 7.6).

12. Marketing, auctions and settlement

12.1 FinanceFarm AG may use different channels for marketing, in particular auction houses, dealer or buyer networks, private buyer groups, leasing models or—where offered—in-app auctions. The user acknowledges that the choice of a marketing channel does not give rise to any entitlement to a specific sales channel (cf. GTC clause 3.5).

12.2 Where in-app auctions are offered, the auction and processing rules published within the Platform apply. The user acknowledges that auctions may include minimum prices, deposit models and settlement rules and that breaches may lead to suspension, reversal or indemnification to the extent legally permissible (cf. GTC clause 19 and deal-specific rules pursuant to GTC clause 2.2).

13. Third-party services and external infrastructures

13.1 Where services are provided by third parties, in particular transport, storage, insurance, escrow, inspection bodies, payment service providers, wallet providers or infrastructure providers, their terms apply additionally. Unless expressly stated otherwise, FinanceFarm AG is not a contracting party to the third-party service (cf. GTC clause 3.11 and clause 17.4).

13.2 The user acknowledges that, depending on the payment channel, currency and third party, fees, deductions and conversion costs may arise. The conditions communicated within the Platform and the GTC are decisive (cf. GTC clause 7.5 and clause 7.6).

14. No advice, no assurances and risk notices

14.1 FinanceFarm AG does not provide individual investment advice and does not provide tax or legal advice. All information, illustrations, Deal Parameters and content serve solely for general orientation and do not constitute a recommendation or assurance (cf. GTC clause 15.1).

14.2 The user acknowledges that transactions involving real assets and the corresponding technical processing logic may entail significant risks. The user acknowledges, in particular, market, liquidity, timing, compliance and technology risks and takes note that, depending on the deal structure, a partial or total loss is possible (cf. GTC clause 15 and additionally clause 6.3).

15. Intellectual property, Platform content and rights of use

15.1 All rights in and to the Platform, including source code, data models, designs, trademarks, logos, texts, graphics and deal structures, belong to FinanceFarm AG or its licensors. The user receives a limited, non-exclusive, non-transferable and revocable right to use the Platform within the scope of these Terms of Use (cf. GTC clause 13.1).

15.2 The user undertakes not to circumvent security mechanisms, not to use automated extraction or scraping methods and not to perform reverse engineering unless expressly permitted. Valuation logic, scoring models and structuring logic constitute trade secrets (cf. GTC clause 13.3 and clause 19).

15.3 Users retain their rights in uploaded content, but grant FinanceFarm AG the rights of use required for operation, deal processing, marketing, reporting and fulfilment of obligations (cf. GTC clause 13.2).

16. Data protection and logging

16.1 FinanceFarm AG processes personal data in accordance with the privacy policy in its currently valid version. The user acknowledges that additional categories of data may be processed in connection with KYC/AML and compliance processes (cf. GTC clause 14.1).

16.2 For traceability, security and auditability, deal and transaction data are logged, including timestamps, status information, payment confirmations, wallet addresses, smart-contract events and system logs, to the extent required for operation and processing (cf. GTC clause 14.2 and additionally clause 3.4).

17. Availability, updates and changes to the Platform

17.1 FinanceFarm AG strives for high availability but does not guarantee uninterrupted or error-free operation at all times. Maintenance, updates, security measures, technical disruptions or restrictions of individual functions may occur (cf. GTC clause 16.1).

17.2 FinanceFarm AG is entitled to further develop the Platform and to adjust, expand or discontinue functions, in particular to increase security, reduce risks or comply with legal requirements (cf. GTC clause 16.3).

17.3 FinanceFarm AG is entitled to amend these Terms of Use where this is required for objective reasons. For deals already confirmed, the deal-related terms applicable at the time of confirmation remain decisive to the extent legally permissible (cf. GTC clause 16.4 and GTC clause 2.2).

18. Suspension, termination and survival

18.1 The user may generally close the user account at any time, provided that no open deals, pending processing steps or statutory retention obligations prevent this. The user acknowledges that deal-related processing must continue for ongoing deals (cf. GTC clause 19.1 and clause 19.4).

18.2 FinanceFarm AG is entitled to temporarily suspend or close a user account where there is good cause, in particular in cases of breaches of the GTC, unmet KYC/AML requirements, suspected misuse or official orders (cf. GTC clause 19.3).

18.3 Provisions on liability, data protection, indemnification, confidentiality, logging, and applicable law and jurisdiction survive termination to the extent they must continue to apply according to their purpose (cf. GTC clause 19.4).

19. Liability and indemnification

19.1 To the extent legally permissible, the Platform is provided “as is” and “as available”. FinanceFarm AG provides no warranty for error-free performance, uninterrupted availability or specific compatibility (cf. GTC clause 17.1).

19.2 To the extent legally permissible, FinanceFarm AG’s liability is limited to wilful misconduct and gross negligence as well as mandatory statutory liability; in particular, liability for indirect damages, consequential damages, lost profit and pure financial loss is excluded (cf. GTC clause 17.3).

19.3 The user undertakes to indemnify and hold harmless FinanceFarm AG and its corporate bodies, employees and auxiliary persons from third-party claims arising in connection with the use of the Platform or breaches of duty by the user, including reasonable costs of clarification and legal enforcement (cf. GTC clause 18).

20. Language, governing law and jurisdiction

20.1 These Terms of Use may be made available in German and English. Swiss principles of interpretation apply; in the event of contradictions or different understandings between the German and the English version, the German version shall prevail and be binding (cf. GTC clause 21.5).

20.2 Swiss law applies to these Terms of Use, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG), to the extent its exclusion is permissible (cf. GTC clause 21.4).

20.3 Notwithstanding the jurisdiction clause in the GTC (cf. GTC clause 21.4), the parties agree—where legally permissible—on the exclusive place of jurisdiction Basellandschaft for disputes or claims arising out of or in connection with these Terms of Use and the use of the Platform. Mandatory statutory places of jurisdiction remain reserved.