Investor Information

1. About Finesser

Finesser (hereinafter referred to as the “Owner”) is a digital investment platform that provides access to private market opportunities through through Investment Opportunities.

Investment Opportunities on the platform are structured as receivables (claims), which entitle the investor to a share of future distributions generated by the underlying assets. These may include investments in private credit, private equity, or other private market instruments, as well as operative income and other income.

Finesser is not a crowdfunding platform and does not offer shares or equity in operational companies, nor facilitate loans by crowdfunding services. Finesser does not operate as an Alternative Investment Fund (AIF) under AIFM Directive 4(1)(a). The Investment Opportunities do not follow a predefined investment policy and do not function as managed investment vehicles, and they are not funds or AIFMs.

2. Regulatory Disclaimer

Finesser is not an investment services company or credit institution and is not covered by an investor compensation or deposit guarantee scheme as per Directives 2014/49/EU and 97/9/EC.

Investments made through Finesser are at the investor’s own risk. Information provided on the platform does not constitute financial advice, and investors should seek independent professional advice if necessary.

3. Investment Risks

Investing through Finesser carries risks, including partial or total loss of capital. Returns are not guaranteed, and liquidity may be limited. Finesser does not assume responsibility for any losses incurred.

4. Project Selection Process

Finesser conducts a review of each investment opportunity before listing it on the platform. Selection criteria may include the experience of the SPV’s operators, asset strategy, historical performance (if applicable), and legal compliance.

However, this screening is not investment advice or an endorsement. Investors are responsible for conducting their own due diligence.

5. Fees & Charges

• Entry Fee: A 1% processing fee applied when you invest. The fee is deducted from your investment in the Investment opportunity.
• Platform Fee: A 1% yearly fee applied to each investment. The Investment opportunity pays for this, so you dont have to worry about it.
• Performance Fee: 30% from the yield exceeding the limit of 7% yearly. Calculated from the Investment opportunity´s net annual yield and paid by the Investment opportunity to Finesser. Example: Investment opportunity net APY 10%, Performance fee 3%*30% = 0,9% of total value of investments.
• Additional fees may apply in the future. Investors will be notified in advance.
• The Investment opportunity may have running costs. They are described as known at the moment in their presentation. Running costs may change.
• Finesser may update its fee structure. Investors will be informed of changes before investing.

6. Investment Procedure

Investors participate directly in Investment Opportunities, which may include equity investments in operational companies, investment vehicles, or other private market investments.

1. Investors register and complete KYC verification.
2. Investors select an Investment Opportunity and commit funds (minimum investment: €5,000).
3. The Investment Opportunity operates as described in it´s description.
4. Returns are distributed to investors based on their claims and Investment Opportunity´s description.
5. Investor may request liquidation from the Investment Opportunity using the technology provided by Finesser. The Investment Opportunity may or may not buy back the claims, according to their own policy and situation.

7. Conflicts of Interest

Finesser has implemented a Conflict of Interest Policy to ensure transparency and fairness in investment decisions. The policy is available on the website.

8. Complaints & Dispute Resolution

Investors wishing to submit a complaint may do so by contacting Finesser. Complaints will be reviewed in accordance with the platform’s Complaints & Dispute Resolution Policy.

9. Contingency Plan

In the event of Finesser ceasing operations, investors' investments will remain valid and will continue to be managed according to the respective Investment Opportunity's terms.

10. Fraud Prevention & Compliance

Finesser implements AML (Anti-Money Laundering) , KYC (Know-Your-Customer), and fraud prevention measures to monitor investments and ensure compliance with legal requirements.

11. Reflection Period

Non-sophisticated investors have a 4-day reflection period to withdraw their investment commitment before the investment is finalized.

12. Investor Recommendations

• Do not invest money you cannot afford to lose.
• Diversify your portfolio to reduce exposure to risk.
• Read all investment documentation carefully before committing.
• Seek independent professional advice if you are unsure about any aspect of an investment.

⚠️ Note

Finesser is not subject to the EU Crowdfunding Regulation and does not offer regulated financial instruments such as shares or bonds. All investment opportunities are structured as the sale of receivables (claims) and do not constitute equity or debt instruments. Finesser does not operate under the AIFM Directive or any framework related to investment firms or credit institutions. Instead, the platform provides access to private market investment opportunities by facilitating the acquisition of claims on future cash flows.