1. Provider, Purpose and Scope

1.1 The provider and operator is FinanceFarm AG, Hofackerstrasse 40B, 4132 Muttenz, Switzerland (“FinanceFarm”). These Terms of Use govern technical access to and the permitted use of www.financefarm.com, web and mobile applications, Seller and Co-Participant Dashboards, document, communication and support functions, and connected interfaces (together, the “Platform”).

1.2 These Terms of Use apply to visitors and registered users, irrespective of whether they act as a Seller, Co-Participant, Whole-Asset Buyer, governing body or representative of a legal entity. Transaction functions are available only if the applicable requirements are met.

1.3 FinanceFarm is not obliged to provide individual functions on a continuous basis, and no entitlement exists to registration, review, an offer, a reservation, conclusion of a contract or activation of a Transaction.

2. Relationship with the GTC, Individual Contracts, Privacy Policy and Legal Notice

2.1 The General Terms and Conditions – Overall Service dated 26 August 2026 (the “Overall Service GTC”) constitute the general contractual framework; the individual Transaction documents provided before each confirmation govern the specific Transaction. They are available at https://www.financefarm.com/terms-and-conditions

2.2 In the event of any inconsistency, the order of precedence set out in Clause 2.2 of the Overall Service GTC dated 26 August 2026 applies. Individual contracts and Asset-specific documents take precedence over these Terms of Use. Platform displays do not amend any expressly agreed rules concerning title, possession, risk, payment or unwinding.

2.3 The Privacy Policy dated 25 August 2026 provides separate information on the processing of personal data and is available at https://www.financefarm.com/privacy-policy

2.4 The Legal Notice or provider information in the “Legal” section of www.financefarm.com contains the current company, contact and address-for-service details. The Privacy Policy dated 25 August 2026 and the Legal Notice are information documents and do not constitute additional terms governing performance or liability.

3. Terms and Technical References

3.1 “User Account” means a user’s personalised access. “Seller Dashboard” and “Co-Participant Dashboard” mean role-specific views within the User Account.

3.2 “Submission Snapshot” means the versioned compilation of Asset data, photographs and documents submitted through Submit for Sale. “Status Event” means a process step logged with user, Asset, Transaction, date and time references.

3.3 “System Notification” means a notification made available in the User Account. It constitutes a legally binding declaration only if it is expressly designated as such, assigned to a specific Transaction and approved by FinanceFarm in the prescribed form.

3.4 The other terms, including Asset, Seller, Co-Participant, Reservation Mode, Receipt Confirmation, Object Acceptance and Rejection, have the meanings assigned to them in the Overall Service GTC dated 26 August 2026.

4. Technical Function and Legal Significance of the Platform

4.1 The Platform supports, in particular, the recording and management of Asset and user information, the uploading and versioning of documents, identity and compliance checks, the display of Opportunities, the provision and signature of contracts, status communications, payment allocation, and the documentation of title and process information.

4.2 Platform displays, register entries, Dashboards, technical integrity values and timestamps document processes. They do not, by themselves, create any rights of title, possession, pledge, co-ownership, payment or other proprietary rights, and do not replace any act of completion required by law or contract.

4.3 In the event of any discrepancy between a technical display and the approved contractual documents, the contractual documents prevail. FinanceFarm may correct manifest display, calculation, allocation or transmission errors and, if necessary, require confirmation to be given again.

4.4 Technical designations such as “Accepted”, “Reserved”, “Payment Pending” or “Completed” are binding only with the meaning expressly assigned to them by these Terms of Use, the Overall Service GTC dated 26 August 2026 and the individual documents.

5. Eligibility Requirements, Countries and Representation

5.1 Registration and Transaction functions are available to natural persons who are of full age and have full capacity to act, as well as to duly represented legal entities. FinanceFarm may require evidence of age, identity, registered office, authority to represent and capacity to act.

5.2 Users may use the Platform only if access and the specific use are permitted under the rules applicable to them concerning residence, registered office, nationality, tax, foreign exchange, sanctions, imports and exports.

5.3 Any person acting for a legal entity or third party represents that they have valid authority to act and all necessary internal approvals. FinanceFarm may require commercial register extracts, powers of attorney, resolutions of governing bodies and further evidence.

5.4 FinanceFarm may restrict or exclude access and functions on the basis of objective country, risk, documentation, security or compliance criteria.

6. Registration, Identification and Activation

6.1 The user must provide complete, accurate and current information regarding identity, contact details, residence or registered office, representation, beneficial ownership, bank account details and any further information requested.

6.2 Before or during use, FinanceFarm may carry out, or arrange for specialised providers to carry out, identity, KYC, ownership, source-of-funds and source-of-wealth, sanctions, PEP, fraud and plausibility checks.

6.3 Registration, an automated acknowledgement of receipt or successful technical identification does not give rise to any entitlement to activation. FinanceFarm may require additional documents, repeat identification, multi-factor authentication or a manual review.

6.4 Any changes to name, company name, address, contact details, representation, bank account details, tax domicile or beneficial ownership must be updated without delay in the User Account and evidenced upon request.

6.5 Incomplete, inconsistent, outdated or unverifiable information may result in functions and Transactions being restricted, delayed, suspended or rejected.

7. User Account, Access Credentials, Devices and Security

7.1 The User Account is personal and non-transferable and must not be shared with unauthorised persons. The roles or separate accounts provided by FinanceFarm must be used for authorised representatives.

7.2 Passwords, authentication codes, device access credentials, recovery codes and other security features must be kept confidential and protected by appropriate technical and organisational measures.

7.3 The user must keep the operating system, browser, app, antivirus protection and device lock in a supported version with current security updates. Rooting, jailbreaking or comparable modifications may result in security-critical functions being suspended.

7.4 Any loss, theft, compromise, unauthorised use or suspected misuse must be reported to FinanceFarm without delay through the designated security or support channel. FinanceFarm may terminate sessions, reset access credentials and suspend functions as a precaution.

7.5 Actions taken following successful authentication are attributed to the account holder unless the account holder proves that they were performed without authorisation despite compliance with all reasonably required security measures. Statutory and contractual duties to mitigate loss remain reserved.

7.6 The user must regularly review processes, status displays, documents and notifications and must report any unknown, duplicate or erroneous processes without delay.

8. Roles, Permissions and Sub-Accounts

8.1 Platform functions depend on the activated role. Sellers record and manage their own Assets and sale processes; Co-Participants review Opportunities and manage their own acquisition and co-ownership positions.

8.2 FinanceFarm may specify role-based permissions, approval levels and limits. A change of role or an additional role may require repeat identification, consent to further documents or manual approval.

8.3 Sub-accounts, team access or delegated permissions may be used only if expressly supported by the Platform. The primary account holder is responsible for setting up, keeping current and revoking such permissions.

9. Collection Management and Data Maintenance

9.1 Sellers may record and maintain Asset data, photographs, provenance evidence, purchase records, condition reports, certificates and other documents in a private area. Merely recording such information constitutes neither an offer nor an instruction to sell.

9.2 The Seller is responsible for the accuracy, completeness and currency of their original data and for maintaining backup copies. Collection Management is not a substitute for an archive, an expert opinion, an insurance inventory or professional inventory and estate documentation.

9.3 FinanceFarm may structure, standardise and technically process data, compare it with external sources, and block or remove unlawful, misleading, corrupted or security-threatening content.

9.4 Changes to drafts not yet submitted are stored in accordance with the relevant Platform function. A display indicating that data have been saved is not a guarantee against data loss; important original documents must be retained outside the Platform.

10. Submit for Sale, Submission Snapshot and Corrections

10.1 Through Submit for Sale, the Seller submits a specific Asset for sale review. Before confirmation, the Seller is given a reasonable opportunity to review mandatory fields, photographs, documents and material information and to correct input errors.

10.2 Upon submission, the system creates a Submission Snapshot containing the Seller No., Asset No., Snapshot ID, version, date, time and referenced files. This Snapshot constitutes the binding basis of comparison for the offer, Purchase Agreement and subsequent final inspection.

10.3 Following Submit for Sale, binding information must not be overwritten retrospectively. Corrections, additions or new documents create a new version with an audit trail of the changes.

10.4 The Seller must make full disclosure, in particular, of the identity of the Asset, authenticity, condition, damage, repairs, restorations, replacement or third-party parts, accessories, provenance, ownership, third-party claims, import, export, customs, cultural property and sanctions risks.

10.5 Manifest duplicates, incomplete uploads, unreadable files or inconsistent information may be returned for correction. Resubmission does not give rise to any entitlement to priority processing or an offer.

10.6 FinanceFarm may require additional photographs, original documents, manufacturer confirmations, expert opinions, evidence of title and origin, and physical or digital inspections.

11. Offers, Contracts, Electronic Signatures and Versioning

11.1 Valuations, estimates, price ranges and automated indications are non-binding. Only an offer designated as binding, assigned to an Offer ID and subject to a time limit may be accepted in accordance with its terms.

11.2 Before a binding declaration is made, the counterparty, Asset, price, material rights and obligations, and the document versions to be incorporated are displayed. An automated acknowledgement of receipt does not constitute acceptance by FinanceFarm.

11.3 Where so provided in the Seller Purchase Agreement, that agreement is concluded upon the last required electronic signature. The subsequent Object Acceptance is a separate final inspection and does not constitute a renewed acceptance of the contract already concluded.

11.4 Electronic signatures may be provided through DocuSign or another approved provider. The signature service, Envelope ID, document version, signatories, date, time and certificate of completion are assigned to the Transaction.

11.5 Each party may download and permanently store the signed counterpart intended for it and the certificate of completion. Any subsequent amendment to a signed document creates a new version and requires the necessary confirmation to be given again.

11.6 The Overall Service GTC dated 26 August 2026, these Terms of Use and the individual documents are logged with their version, date and – where technically provided – hash or integrity value. The version provided before the binding declaration is made is authoritative.

12. Seller Status Model

12.1 The following statuses describe the standard technical process. An individual Transaction may contain additional intermediate steps; a status is legally binding only to the extent expressly specified.

12.2 Silence, a technical intermediate status or mere storage does not constitute “Accepted”. A Rejection is documented with the Asset, Snapshot, Offer and contract references, date, time and reason.

13. Opportunities, Early Access and Reservation Mode

13.1 An Opportunity is the technical display of a specifically identified acquisition offer or a non-binding preliminary stage. Availability, allocations, price and status may change until a contract is validly concluded.

13.2 Following signature of the Seller Purchase Agreement, an Asset may be displayed as Early Access. Until Object Acceptance and operational approval, all entries concerning co-ownership interests, amount selections, expressions of interest in acquiring the entire Asset and reservations are non-binding and free of charge.

13.3 FinanceFarm may cancel reservations in whole or in part or change allocations for as long as no individual acquisition agreement has been accepted. A reservation confirmation does not constitute an allocation, payment request or acceptance of a contract.

13.4 The Early Access Reservation Mode generally lasts for five calendar days unless the Opportunity states otherwise. Following Object Acceptance and approval, a 24-hour window may be opened for binding confirmation and payment in full.

13.5 If the period expires unused, the reservation lapses without further declaration. Allocation and priority may depend on timely confirmation, payment in full, successful identification and actual receipt of payment.

13.6 A binding acquisition of co-ownership or of the entire Asset is governed exclusively by the individual contract, the Transaction Sheet, the Overall Service GTC dated 26 August 2026 and the Co-Ownership Rules or the Whole-Asset Purchase Agreement, as applicable.

14. Payment Displays, Accounts and Technical Allocation

14.1 The Platform does not maintain any freely disposable cash balance for users. Payments are allocated to a specific Transaction and to the relevant Asset, contract and payment references.

14.2 As a general rule, payments must originate from a verified account or an expressly approved Wallet whose holder is the verified user. Third-party payments may be rejected or held pending clarification.

14.3 Bank, payment, Wallet, network and foreign-currency details must be carefully checked before confirmation. Any displayed conversion is non-binding; the contractual currency and the amounts actually credited are authoritative.

14.4 For the purchase price payable to the Seller, the period of four Business Days commences upon documented Object Acceptance and once all mandatory statutory or regulatory restrictions have been fully resolved. The status “Payment Pending” documents processing, but does not necessarily indicate that the funds have been credited to the recipient’s account.

14.5 Chargebacks, recalled transfers, forged payment evidence and payments that are not final do not constitute performance. FinanceFarm may correct the status and allocation on the basis of actual bank or payment confirmation.

15. System Notifications, Access, Time Limits and System Time

15.1 The User Account is the primary channel for legally relevant information and service of notices. Users must review it regularly during submissions, reviews, offers, reservations, transport, Object Acceptance, payment and ongoing Transactions.

15.2 A System Notification is deemed to have been made accessible as soon as it can be accessed in the User Account and its provision has been technically logged. FinanceFarm may additionally provide information by email or push notification, but is obliged to do so only where required by contract or mandatory law.

15.3 Time limits are calculated according to the time zone specified in the notification or Transaction. Technical logs may store UTC and convert it into a local time zone in the user interface; in the event of a discrepancy, the logged UTC timestamp is authoritative.

15.4 The user bears the consequences of failing to review the account, provided that FinanceFarm duly made the information available and did not act wilfully or with gross negligence. Mandatory rules on receipt and consumer protection remain reserved.

15.5 Technical delays that may prevent a declaration from being made in time must be reported to Support without delay, together with a screenshot, timestamp and Transaction reference. A support ticket extends a time limit only if this is expressly confirmed.

16. Uploads, File Requirements and User Content

16.1 The user may upload only content that they are authorised to use, process and disclose. This applies in particular to photographs, expert opinions, purchase records, provenance documents, certificates, personal data and confidential information.

16.2 Supported formats, file sizes, image resolution and mandatory metadata may be specified on the Platform. Password-protected, corrupted, illegible, incomplete or unsupported files may be rejected.

16.3 FinanceFarm may technically inspect, compress, format and index files, attach Transaction references to them, and analyse them to prevent malware, manipulation or misuse.

16.4 The user retains ownership of content lawfully provided and grants FinanceFarm the purpose-limited rights of use required for review, documentation, contracting, insurance, custody, marketing, enforcement of rights and statutory obligations.

16.5 Unlawful, misleading, rights-infringing or security-threatening content may be blocked or removed and may be retained, to the extent permitted by law, for evidential, security or retention purposes.

16.6 Originals and backup copies must be retained outside the Platform. Uploading does not transfer title to the original document and does not impose any obligation on FinanceFarm to archive it indefinitely.

17. Automated Tools, Valuations, AI and Support

17.1 Automated tools, AI output, and chat and support functions explain general operating and process steps. They do not conduct any binding case-specific review and do not constitute an offer, an amendment to a contract, Object Acceptance, Rejection, a valuation guarantee, a recommendation to purchase, or legal or tax advice.

17.2 Automated estimates are based on available inputs, comparative data and models and may be incomplete, time-dependent or erroneous. Only offers and decisions expressly designated as binding and approved by a human are binding.

17.3 In matters concerning title, price, due date, disbursement, risk, Object Acceptance, Rejection or legal consequences, the contractual documents and the expressly approved notification from an authorised person are authoritative.

17.4 Support may require additional security questions, Transaction references or documents for identification purposes. Support staff are not authorised to amend contracts outside the prescribed approval process.

18. Prohibited Use and Security Rules

18.1 Any unlawful, misleading, manipulative, fraudulent, sanctions-related or security-threatening use of the Platform is prohibited. This includes, in particular, the following acts.

18.2 Automated data extraction, scraping, bulk access or the use of bots without prior written consent is prohibited.

18.3 Circumventing identification, security, country, role, allocation or Transaction limits is prohibited.

18.4 Reverse engineering, decompilation or replication of protected Platform components is prohibited except to the extent permitted by mandatory law.

18.5 Introducing malware, denial-of-service attacks, and manipulating data, timestamps, status displays or logs are prohibited.

18.6 Using false identities, third-party accounts, unauthorised Wallets, or misleading or manipulated documents is prohibited.

18.7 Unauthorised security testing, exploiting or disclosing vulnerabilities, and circumventing technical safeguards are prohibited.

18.8 Information regarding security vulnerabilities must be reported confidentially through the designated security contact. FinanceFarm may preserve evidence, restrict access and take legally permissible protective and enforcement measures.

19. Third-Party Providers, Integrations and External Links

19.1 FinanceFarm may engage, in particular, providers of signature, identification, payment, hosting, analytics, communications, transport, storage, insurance, valuation and security services. To the extent that they provide services independently, their terms and privacy policies may apply in addition.

19.2 When being redirected to a third-party provider, the user must check that provider’s identity, domain, terms, costs and data processing. FinanceFarm does not request private keys, seed phrases or complete passwords through support or chat channels.

19.3 External links are provided for information purposes. FinanceFarm does not adopt third-party content as its own and is liable only to the extent required by mandatory law or an express undertaking of its own.

19.4 Outages or delays affecting a third-party provider may impair functions. FinanceFarm may replace providers, adapt processes or require alternative evidence, provided that the economic substance of Transactions already concluded is preserved.

20. Intellectual Property Rights, Confidentiality and Feedback

20.1 All rights in the Platform, software, design, trade marks, texts, graphics, data structures, valuation models, documentation and non-public content are held by FinanceFarm or its licensors. Rights in User Content remain reserved.

20.2 For the duration of the user relationship, FinanceFarm grants a personal, limited, non-exclusive and non-transferable right of use for the intended use of the activated functions.

20.3 Systematic copying, redistribution, making available to the public, commercial use or removal of notices of rights without consent is prohibited unless mandatory law provides otherwise.

20.4 Non-public Transaction, negotiation, security, valuation and personal data, as well as trade secrets, must be treated as confidential.

20.5 FinanceFarm may use feedback provided voluntarily, free of charge, to improve the Platform, provided that no confidential information or third-party rights prevent such use.

21. Data Protection, Cookies, Logging and Evidence

21.1 The processing of personal data is governed by the separate Privacy Policy dated 25 August 2026 and applicable data protection law. Users may provide personal data of third parties only where there is a sufficient legal basis.

21.2 Technically necessary cookies and local storage may be used for login, security, language, session and conclusion of contracts. Non-essential technologies are used in accordance with the choices described in the Privacy Policy dated 25 August 2026.

21.3 FinanceFarm may maintain access, security, consent, document, signature, status, Transaction and payment logs to the extent necessary for operation, evidence, prevention of misuse, enforcement of rights and statutory obligations.

21.4 For binding confirmations, the user and Transaction reference, Asset and Snapshot ID, document version, date, time, Status Event, authentication and technical proof of integrity are logged in particular.

21.5 Retention, access, rectification, disclosure, erasure and objection are governed by applicable law and may be restricted by statutory retention requirements, evidential or security requirements, pending Transactions or the enforcement of rights.

22. Availability, Maintenance, Updates and Technical Errors

22.1 FinanceFarm strives to achieve high availability but does not guarantee uninterrupted or error-free operation or compatibility with every device. Scheduled maintenance, security measures, capacity limits, force majeure and failures of material third-party infrastructure may restrict functions.

22.2 FinanceFarm may further develop, replace or discontinue functions, interfaces, file formats, security requirements and supported software versions. Transaction rights that have already arisen are amended only in accordance with the applicable contractual documents.

22.3 In the event of a security or data-integrity risk, FinanceFarm may temporarily disable functions, freeze statuses, require additional verification and switch to a documented emergency or manual process.

22.4 Manifest incorrect displays, duplicate entries, incorrect allocations or transmission errors do not give rise to any entitlement to content that is recognisably erroneous. FinanceFarm will correct the data record and inform affected users in an appropriate manner.

22.5 The user must install security-relevant updates promptly. Unsupported versions may be excluded from access to Transaction or signature functions.

22.6 Beta, test or preview functions may be separately labelled, restricted and offered without any commitment to continuous availability. They must not amend concluded Transaction rights without an express basis.

23. Suspension, Termination, Account Closure and Access to Documents

23.1 FinanceFarm may temporarily suspend an account or individual functions in the event of a breach of contract, security risk, pending reviews, inconsistent information, an official order, a third-party claim or reasonable suspicion of misuse, or may terminate the account or access to the functions for good cause.

23.2 The user may close their account provided that no pending Transactions, payments, surrender, retention, evidential or statutory obligations prevent closure. Account closure does not terminate any Transaction already concluded.

23.3 Before account closure, FinanceFarm may offer an export of data or documents within the technically available functions. The user is responsible for permanently storing their own executed copies of contracts and original documents.

23.4 Following termination, data may be erased or anonymised after the expiry of statutory or legitimate retention periods. Necessary contract, evidential, security and compliance data may be retained for longer.

23.5 Suspension or termination does not discharge any due obligations relating to payment, return, costs, indemnification, confidentiality or enforcement of rights.

24. Liability, Amendments, Law, Language and Contact

24.1 Clauses 28 to 32 of the Overall Service GTC dated 26 August 2026 apply additionally to liability, indemnification, force majeure, evidence, notices, governing law and jurisdiction. Mandatory law remains reserved.

24.2 FinanceFarm may amend these Terms of Use for the future on objective grounds. Material amendments will be communicated in an appropriate manner before they take effect. As a general rule, the version incorporated upon confirmation applies to Transactions already concluded.

24.3 Consent through continued use is effective only if the user was previously given clear notice of the amendment, its effective date and the significance of continued use, and applicable law permits this form of consent.

24.4 Swiss law applies, excluding the United Nations Convention on Contracts for the International Sale of Goods, to the extent that its exclusion is permissible. To the extent permitted by law, the exclusive place of jurisdiction is FinanceFarm’s registered office in the Canton of Basel-Landschaft; mandatory places of jurisdiction remain reserved.

24.5 The German version is authoritative. Translations are provided for ease of understanding. Legally relevant notices must be sent to the address specified in the Legal Notice or individual contract; support or chat messages suffice only where that channel has been expressly approved.

24.6 These Terms of Use enter into force on 26 August 2026 and replace all previous Terms of Use for future use and the future conclusion of contracts. For Transactions already concluded, the logged version remains authoritative.