General Terms & Conditions

These Terms & Conditions ("Terms") govern the relationship between Blockx Investments Ltd ("Blockx", "we", "our", or "us") and every client, investor, buyer, seller, developer, property owner, or other party ("Client", "you", or "your") engaging our services.

By signing any agreement, making a reservation, purchasing an investment product, or using any service offered by Blockx Investments Ltd, you acknowledge that you have read, understood, and agreed to these Terms.

In the event that a project or service has its own specific agreement, those terms shall prevail where they differ from these General Terms & Conditions.

Blockx Investments Ltd is an investment and project facilitation company providing services including, but not limited to:

• Fractional investment solutions
• Real estate investment opportunities
• Investment sourcing
• Property acquisition assistance
• Sales and marketing services
• Investment consultancy
• Project structuring
• Rental and asset management coordination
• Investor matchmaking
• Due diligence coordination
• Strategic investment partnerships

Blockx Investments Ltd is not a licensed financial institution, bank, securities dealer, or investment advisor unless expressly stated otherwise.

Our services may include:

• Identifying investment opportunities
• Marketing investment projects
• Coordinating transactions
• Negotiating with developers and sellers
• Facilitating documentation
• Coordinating legal professionals
• Coordinating payment schedules
• Managing investment administration
• Rental management coordination
• Investor communication

Unless expressly agreed in writing, Blockx does not guarantee:

Every investment decision remains solely the responsibility of the Client.

Clients acknowledge that they have had sufficient opportunity to obtain:

• Independent legal advice
• Tax advice
• Financial advice
• Investment advice

Blockx does not provide regulated financial advice unless specifically stated in writing.

All investments involve risk.

Clients understand that investment values may increase or decrease and that no guarantees are provided regarding:

• Capital preservation
• Profitability
• Rental returns
• Future market value
• Exchange rates
• Inflation
• Government regulations
• Tax changes

Past performance shall never be interpreted as a guarantee of future performance.

Blockx aims to provide accurate and up-to-date information.

However, all information obtained from developers, owners, contractors, consultants, government agencies, or third parties is believed to be reliable but cannot be guaranteed.

Clients remain responsible for conducting their own due diligence.

Reservation procedures are governed by the applicable project documentation.

Unless stated otherwise:

• Reservation fees are subject to the specific Reservation Agreement.
• Administrative charges may apply.
• Reservations may expire if contractual conditions are not fulfilled.
• Reservation fees may be refundable or non-refundable depending on the specific agreement.

Clients agree to make all payments according to the agreed payment schedule.

Late payments may result in:

• Suspension of services
• Cancellation of reservations
• Administrative charges
• Interest where legally permitted
• Termination of agreements

Blockx may refuse further services until outstanding balances have been settled.

Blockx may receive compensation through:

• Service fees
• Consultancy fees
• Sales commissions
• Success fees
• Marketing fees
• Rental management fees
• Administration fees
• Project management fees
• Referral fees
• Investment facilitation fees

Where applicable, these fees will be disclosed in the relevant agreement.

Blockx regularly coordinates with independent third parties including:

• Lawyers
• Banks
• Surveyors
• Architects
• Developers
• Contractors
• Government agencies
• Property managers
• Utility providers

Blockx is not responsible for the performance, actions, omissions, negligence, delays, insolvency, or misconduct of third parties.

Property descriptions, floor plans, dimensions, renders, artist impressions, photographs, and specifications are provided for general information.

Developers may alter:

• Designs
• Materials
• Layouts
• Finishes
• Landscaping
• Facilities

Minor variations shall not constitute grounds for cancellation or compensation.

Construction projects may be delayed due to circumstances beyond the control of Blockx, including:

• Weather conditions
• Government approvals
• Material shortages
• Labour shortages
• Utility delays
• Supply chain disruptions
• Force Majeure events

Blockx accepts no liability for such delays.

Where rental management services are offered:

Rental income depends on factors including:

• Occupancy
• Market demand
• Competition
• Seasonal fluctuations
• Property condition
• Operational costs

No guaranteed rental return is provided unless expressly stated in a separate written agreement.

Clients agree to keep confidential all:

• Business models
• Investment structures
• Pricing strategies
• Documentation
• Commercial information
• Marketing concepts

Likewise, Blockx shall treat confidential client information responsibly and in accordance with applicable law.

All materials created by Blockx remain the intellectual property of Blockx Investments Ltd unless agreed otherwise in writing.

This includes:

• Presentations
• Marketing materials
• Documents
• Graphics
• Branding
• Websites
• Investment concepts
• Business models
• Training materials

No reproduction or distribution is permitted without prior written consent.

Blockx reserves the right to request:

• Proof of identity
• Proof of address
• Source of funds
• Corporate documentation
• Beneficial ownership information

Blockx may decline or terminate services where suspicious, unlawful, or unethical activities are suspected.

To the maximum extent permitted by law, Blockx Investments Ltd shall not be liable for:

• Indirect losses
• Consequential damages
• Lost profits
• Lost investment opportunities
• Currency losses
• Tax liabilities
• Market fluctuations
• Acts of third parties
• Government actions
• Force Majeure events

Where liability exists, it shall not exceed the fees actually paid directly to Blockx for the specific service giving rise to the claim.

The Client agrees to indemnify and hold harmless Blockx Investments Ltd, its directors, officers, employees, consultants, and representatives against claims, damages, liabilities, costs, and legal expenses arising from:

• False information supplied by the Client
• Breach of these Terms
• Illegal activities
• Negligent conduct
• Misuse of Blockx services

Neither party shall be liable for delays or failures caused by events beyond reasonable control, including:

• Natural disasters
• Fire
• Flood
• Epidemics
• Pandemics
• War
• Civil unrest
• Government restrictions
• Utility failures
• Internet outages
• Cyber attacks

Blockx processes personal information solely for legitimate business purposes.

Information may be shared with relevant professionals involved in completing transactions, including lawyers, financial institutions, developers, regulators, and government authorities where required by law.

Personal data will not be sold to third parties.

Blockx may terminate services immediately where:

• Payments remain outstanding
• Fraud is suspected
• The Client breaches these Terms
• False information is provided
• The relationship becomes unlawful
• Continued engagement may damage Blockx's reputation or legal position

Termination does not remove any payment obligations already due.

These Terms shall be governed by and interpreted in accordance with the laws of The Republic of The Gambia.

Any dispute shall first be addressed through good-faith negotiations. If no settlement is reached, disputes shall be submitted to the competent courts of The Gambia.

Blockx reserves the right to amend these Terms at any time.

Updated versions become effective upon publication or notification and shall apply to future transactions unless otherwise agreed.

If any provision of these Terms is declared invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms, together with any project-specific agreement, reservation agreement, purchase agreement, service contract, or investment agreement, constitute the complete understanding between the parties and supersede prior discussions or representations relating to the same subject matter.

By signing any agreement with Blockx Investments Ltd, making a reservation, purchasing an investment product, engaging our services, or making any payment to Blockx, the Client confirms acceptance of these General Terms & Conditions.