Investment Risks

  1. The Investor fully understands and undertakes the risks associated with the investment in a Project Owner, some of which are summarised below on a non-exhaustive basis for the Investor’s convenience only.
  2. Investment in crowdfunding projects 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.
  3. The Investor may not receive any return on their investment.
  4. Participation in a Fundraising is not a saving product and SeedBlink advises the Investor not to invest more than 10% of their net worth in crowdfunding projects.
  5. The Investor may not be able to sell the investment instruments when they wish. If the Investor is able to sell them, the Investor may nonetheless be subject to losses.
  6. Due to the nature of private companies, there may be limited information - financial, operating or otherwise - regarding a Project Owner. There is a risk that: (i) there are facts or circumstances pertaining to a Project Owner that the Investor is not aware of, and (ii) publicly available information and information on the Platform concerning a Project Owner may prove to be inaccurate, and, as a result, the Investor may suffer a partial or complete loss of the investment.
  7. SeedBlink does not undertake any due diligence with respect to Project Owners, or endorse any Project Owner for investment. Although SeedBlink may evaluate potential Project Owners to determine which Project Owners will be available as potential investments for members on the Platform, such evaluation does not constitute an endorsement or a recommendation that the Investor invests in any particular Project Owner, and does not establish an advisory relationship between SeedBlink and the Investor. SeedBlink shall not be liable with respect to the past, present, or future performance or non-performance of a Project Owner. In particular, SeedBlink shall not be responsible for the information in a Project Owner KIIS (which is provided by the Project Owner itself).
  8. The Investor should consult their own legal, tax, investment and financial advisers regarding the suitability, desirability and appropriateness of participating in the Fundraising. SeedBlink does not advise the Investor on the merits of their investment or provide any other advisory services to the Investor.
  9. Investments in start-ups involve significant risks and are suitable only for investors capable of evaluating and bearing those risks, who have limited need for liquidity in their investment and who can afford the potential full loss of their investment. Investments in start-ups fail at a particularly high rate. In return of their investment, the Investor may ultimately receive cash, shares, or a combination of cash and shares or nothing at all. If the Investor receives shares, the shares may not be publicly traded, and may not have any significant value.
  10. SeedBlink does not guarantee the future performance or financial results of a Project Owner. A return on investment will also depend upon the successful liquidity of the shares of the Project Owner and thus, the ultimate value of any investment depends upon factors beyond the control of the Investor. The Investor will typically not receive distributions, if any, until a liquidity event, which may not occur for many years. The Investor must therefore bear the economic risk of an investment for an indefinite period of time.
  11. The investment in a Project Owner is subject to dilution. This means that if the business raises additional capital at a later date, it will issue new shares to the new investors, and the percentage of the Project Owner's share capital that the Investor owns will decline. Such new shares may also have certain preferential rights to dividends, sale proceeds and other matters, and the exercise of such rights may work to the disadvantage of the Investor. The investment made by the Investor may also be subject to dilution as a result of the grant of options (or similar rights to acquire shares) to employees, service providers or certain other third parties.
  12. The Investor may receive limited information about a Project Owner (and such information may include financial reports audited or unaudited, as the case may be, the most important actions taken, business plan, etc.). The Investor may not receive ongoing and updated information about the value or valuation of a Project Owner, and the Investor understands and agrees that any such valuation information would in any event be of limited reliability and use.
  13. If the Investor requires liquidity in the investment, the Investor should not participate in a Fundraising. Shares issued by a Project Owner will be subject to legal and contractual transfer restrictions and procedures (including under the Project Owner's SHA or other future contractual arrangements). The Investor should consult their legal advisers before deciding to invest. The Investor may not be able to transfer their shares at the time or at the price the Investor seeks to make a transfer. The Investor typically should expect to hold their shares until a liquidation event has occurred at the level of the Project Owner.
  14. The Fundraising, the Project Owner KIIS or any other documents related to the Investor’s participation in the Fundraising have been neither verified nor approved by any Romanian or European authorities.
  15. 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 making such investment, including the risk of partial or entire loss of the money invested.

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