Terms of Service

These Terms of Service ("Terms") govern your access to and use of the PropertyVault platform ("Platform"), operated by PropertyVault Ltd. By accessing or using the Platform, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years of age and a resident of a supported jurisdiction (Ghana, Kenya, South Africa, or Nigeria) to use the Platform. You must complete Know Your Customer (KYC) verification before making any purchase.

2. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

3. Property Tokens

Property tokens represent fractional ownership rights in real estate assets listed on the Platform. Tokens are issued as ERC-3643 compliant security tokens on the Polygon blockchain. Ownership of tokens is subject to applicable securities regulations in your jurisdiction.

4. Risks

Real estate and digital assets carry inherent risks including but not limited to market volatility, liquidity risk, regulatory risk, and technology risk. Past performance does not guarantee future results. Please review our Risk Disclosure for full details.

5. Limitation of Liability

To the maximum extent permitted by law, PropertyVault shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform.

6. Governing Law

These Terms are governed by the laws of the Republic of Ghana. Disputes shall be resolved through binding arbitration.

This is a placeholder document. Please consult legal counsel to draft jurisdiction-specific terms before launch.