Terms & Conditions

1. Introduction

This document outlines the Terms & Conditions and Legal Notice governing the use of Finesser (hereinafter referred to as the “Owner”), private market investment platform enabling investors to participate in private markets, by acquiring claims (receivables) issued by the Investment Opportunities.

By accessing and using this platform, users agree to these Terms & Conditions and Legal Notices.

2. Legal Disclaimer – Not an Alternative Investment Fund (AIF)

The Investment Opportunities offered through Finesser do not qualify as Alternative Investment Funds (AIFs) under AIFM Directive 4(1)(a). They do not follow a predefined investment policy and do not operate as managed investment funds. Owner does not qualify as an AIF or a fund, or investment service.

• Each Investment Opportunity is a legally structured entity, an LLC for example. It is not a fund not an AIFM and does not have an investment policy. It may be specifically formed for this purpose (SPV).
• Investors do not obtain ownership or management rights in the SPV or its investments.
• Finesser is not a fund manager and does not exercise discretion over investments.
• The Investment Opportunities do not actively manage investments, nor do they operate with a structured investment strategy.

3. Definitions

• Investor: A natural or legal person who registers on the platform, passes KYC and AML, and acquires a claim to future cash flows by participating in an Investment Opportunity.

• Investment Opportunity means a financial arrangement structured through a Special Purpose Vehicle (SPV), whereby:

The SPV issues one or more Claims (receivables), each representing a contractual right to receive future cash flows;

These cash flows may derive from the SPV’s underlying assets, such as investments in private equity, private credit, or other alternative instruments;

The investor, upon acquiring a Claim, does not obtain equity, ownership, or management rights in the SPV or its assets;

The terms, risks, fees, and distribution mechanisms of each Claim are described in the respective investment documentation;

Finesser acts solely as a facilitating platform and does not itself issue or manage the investment assets.

4. User Eligibility & KYC Requirements

All investors must complete Know Your Customer (KYC) verification before participating. The platform is open to individuals and entities worldwide, subject to compliance with local regulations. Users must ensure they are legally allowed to invest through Finesser in their respective jurisdictions. Investors may be "sophisticated" investors, as well as "non-sophisticated" investors, according to their own respective jurisdiction. To join, Investor must read and accept the Terms and Conditions, Investment risk warnings, and other presented documents. 

5. Investment Process

1. Investors register and complete the KYC process.
2. Investors select an Investment Opportunity.
3. Minimum investment requirement is €5,000.
4. Investors acquire a claim (receivable), not ownership. The claim entitles the holder to future cashflows, depending on the SPV’s performance.
5. Returns depend on the performance of the underlying performance.
6. Liquidation request may be done to the SPV to buy back the claim. SPVs do not quarantee a buyback program.

6. Fees & Charges

• Entry Fee: A 1% processing fee applied when you invest. The fee is deducted from your invesment 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. Example: Investment opportunity net APY 10%, Performance fee 3%*30% = 0,9% of total value of investment.
• 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 in their presentation.

7. Referral Program

Investors who refer new users to the platform can receive up to 1% of the referred investment amount. Rewards are credited after the referred investor completes their investment. The referral program may be subject to limitations and updates. Investors have to apply to join the referral program.

8. Risks & Disclosures

Investments made through Finesser are not guaranteed. The value of investments may fluctuate, and investors could experience partial or total loss of capital. Liquidity is limited, and investors should consider their risk tolerance before investing. Owner has establishesd regulatory policies about Complaints and Disputes, Risk Warnings, Conflict of Interest, and Investor information. Those policies are found on the website.

9. Investor Responsibilities

• By using the site, accept the Privacy policy as well as Cookie Policy
• Provide all necessary information about theirselves.
• Investors must be 18+ years of age and have ordinary civil capacity and not be legally incapacitated. Legal entities must act through a natural person of legal age (+18 years) with sufficient powers to represent them and sign on their behalf; they must be in compliance with legal and tax obligations.
• Investor is not allowed to be intermediary to another person or entity.
• No unauthorized advertising or promotional content.
• No offensive, threatening, or disrespectful language.
• Ensure to act in accordance with the established applicable regulations
• Ensure all provided information is accurate and up to date.
• Understand the investment risks and legal implications.
• Comply with Finesser’s KYC and AML (Anti-Money Laundering) policies.

10. Website Ownership & Access

This website is owned and operated by Finesser. Finesser provides access to information regarding its Investment Opportunities. Some sections of the website may require user registration. Users agree to use the services lawfully and responsibly. It is strictly prohibited to:

• Use the services for illegal purposes or to violate public order.
• Reproduce, modify, or distribute website content without authorization.
• Violate intellectual property rights belonging to Finesser or third parties.
• Send spam, advertisements, or other unsolicited communications.

Finesser reserves the right to suspend or terminate access to any user violating these terms.

11. Intellectual Property Rights

All content on this website, including text, images, logos, and software, is the property of Finesser or its licensors. Unauthorized use is strictly prohibited.

12. Disclaimer of Warranties and Liability

Finesser reserves the right to modify or suspend website access for technical or security reasons. We do not guarantee uninterrupted availability and are not liable for:

• Errors, delays, or technical failures.
• Security threats, including viruses or malware.
• Content found on third-party websites linked to this site.

Users access and use the website at their own risk.

13. External Links

Finesser may provide links to external websites but assumes no responsibility for their content or reliability.

14. Data Processing and Cookies

Personal data collected through this website is processed in compliance with our Privacy Policy. Cookies are used to enhance user experience and for analytical purposes.

15. Investment Disclaimer

Finesser provides investment-related information but does not offer financial advice. Users should seek professional consultation before making investment decisions.

16. Account Termination

Finesser reserves the right to suspend or terminate any investor's account if:

• Fraudulent activity is detected.
• The investor violates these Terms & Conditions.
• Regulatory concerns arise.

17. Modifications to Terms & Legal Notice

These terms may be updated periodically. Users are encouraged to review them regularly. Investors will be notified of any significant changes.

18. Applicable Law and Jurisdiction

This document is governed by the laws of Finland. Any disputes will be subject to the jurisdiction of the courts in Helsinki Finland.

19. Contact Information

For inquiries regarding these Terms & Legal Notice, please contact us with the contact information found on our website.