Investment risks

• Investment in this crowdfunding project entails risks, including the risk of partial or entire loss of the money invested. The Investor’s investment is not covered by the deposit guarantee established in accordance with Directive 2014/49/EU of the European Parliament and of the Council on deposit guarantee schemes or the related provisions of Romanian law. The Investor’s investment is not covered by the investor compensation schemes established in accordance with Directive 97/9/EC of the European Parliament and of the Council on investor-compensation schemes or the related provisions of Romanian law.

• The Investor may not receive any return on his or her investment.

• The participation in the Fundraising is not a saving product and Stock.estate advises the Investor not to invest more than 10% of his or her net income in crowdfunding projects.

• Please note that You may not be able to sell/transfer the receivables from the loan agreements when you want. And even if you are able to assign them, you may still be subject to losses because you may not be able to assign at a price equal to the entire value of the loans.

• Due to the nature of private companies, please note that there may be limited information - financial, operating or otherwise - regarding the Developer. There is a risk that: (i) there are facts or circumstances pertaining to the Developer that You are not aware of, and (ii) publicly available information and information on the Platform concerning the Developer may prove to be inaccurate (although We subject them to a verification process, this verification may prove to be ineffective by reference to external factors that may intervene and cause the information to be inaccurate), and, as a result, You may suffer a partial or complete loss of the investment.

• Stock.estate does not endorse any direct or indirect investment. Although Stock.estate evaluates potential real estate projects and Developers to determine which real estate projects will be available as potential investments for members on the Platform, this evaluation does not constitute an endorsement or a recommendation that the Investor invests in any real estate project and does not establish an advisory relationship between Stock.estate and the Investor. Stock.estate shall not be liable with respect to its past, present, or future performance or non-performance.

• The Investor should consult his/ her own legal, tax, investment and financial advisers regarding the suitability, desirability, and appropriateness of participating in the Fundraising. Stock.estate does not advise the Investor on the merits of his/ her investment or provide any other advisory services to the Investor.

• The Investor will receive every other time when it will be necessary information about the real estate project (such information may include the progress of the works, if the real estate project has not yet been handed over yet, financial reports, the most important actions taken, communication with the Developer, the non-repayment rates of the loans, if the case).

• The appropriateness of the Investor’s education and knowledge have not necessarily been assessed before the Investor being granted access to the Fundraising. By making this investment, regardless of any entry knowledge tests or simulation of the ability to bear loss which might be available on the Platform, the Investor assumes full risk of taking this investment, including the risk of partial or entire loss of the money invested.