Terms of Service

EquityN is a technology platform that makes real estate ownership accessible through fractional investment. On the platform you can, depending on availability: (a) invest in fractional shares of income-producing homes and land; (b) purchase properties outright; (c) submit your own property for potential acquisition or listing; and (d) participate in rent-to-own and rental arrangements. EquityN provides the software, records, and administrative services that support these activities.

EquityN is a platform and administrator. We are not a bank, a licensed broker-dealer, an investment adviser, or a tax or legal advisor unless expressly stated in writing. Ownership structures for fractional investments are described on each property page and in the applicable investment documents.

You must be at least 18 years old and legally able to enter into contracts to use EquityN. You must be a [United States] resident with a valid taxpayer identification number to invest. You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately of any unauthorized use. We may suspend or close accounts that violate these Terms or that we reasonably believe pose a risk of fraud or legal non-compliance.

Before you can invest, you must complete identity verification (“KYC”). This requires submitting your legal name and a government-issued identification document, and may require additional information. For certain transactions, such as withdrawals, we collect a Social Security Number or taxpayer identification number for tax-reporting purposes.

Verification may be performed using automated tools and/or manual review. We may approve, reject, or request additional information at our discretion. We may refuse or reverse transactions where verification cannot be completed. Information you provide during verification is handled as described in our Privacy Policy.

Investment properties are divided into shares priced at $1.00 per share, so the amount you invest equals the number of shares you own. Investment properties are offered to investors at approximately 10% below their assessed market price, and a portion of shares in each property may be reserved and held by the property owner or operator, as disclosed on the property page.

When you purchase shares, you acquire the economic interest described in the applicable property offering and investment documents. Share purchases are processed through our third-party payment processor. Your ownership, holdings, and transaction history are recorded in your account dashboard.

Availability of shares is limited. A purchase is only complete when payment has cleared and the transaction is recorded as completed. We may cancel or reverse a transaction affected by pricing errors, technical faults, insufficient availability, or failed verification.

Depending on the property, returns may come from (a) your share of net rental income, distributed periodically when rent is collected, and/or (b) appreciation in the property’s value, realized when the property is sold or through the exit options described below. Some properties, such as vacant land, are appreciation-focused and do not generate monthly income.

Distributions are not guaranteed. They depend on actual rent collected, occupancy, expenses, reserves, applicable management fees, and other factors. Past performance does not predict future results. If you have enabled dividend reinvestment, eligible distributions may be used to purchase additional shares instead of being paid in cash, as described in your account settings.

Vacant land does not produce rental income but still incurs carrying costs such as property taxes and any property-owners-association or homeowners-association dues. For these properties, a multi-year carrying reserve (by default five years) is prepaid into the offering and funded by investors, so that ongoing carrying costs are covered without surprise cash calls.

The carrying reserve is a prepaid expense, not land equity, and this breakdown is disclosed transparently on the property page. After the reserve term ends, future carrying costs are expected to be covered from the eventual proceeds of a sale. Reserves are estimates and actual carrying costs may vary.

Each investment property is subject to an independent third-party appraisal on a recurring cycle (currently every five years), which serves as the official reference value and is aligned with equity distribution events. Between appraisals, we may display an interim estimated value from an automated valuation model or, where an automated estimate is unavailable, a manually entered estimate. Interim estimates are clearly labeled and are internal estimates only — they are not appraisals, offers, or guarantees of value.

Our fees are disclosed in full on the Fees & Disclosures page, which is incorporated into these Terms by reference. In summary: investors enter at approximately 10% below market; an early-withdrawal administrative fee of 4.5% applies to your original investment if you exit before a property is sold; a profit-share fee of 18% (for investors holding five or more years) or 20% (standard) applies only to appreciation profit when a property is sold; a 12% management fee applies to rental income; and a $50 late fee applies to rent more than five days overdue. We may change fees prospectively; changes will be posted and, where required, communicated to you.

EquityN is designed around an investor lifecycle rather than a forced sale date. Depending on availability and the applicable property, you may exit by (a) requesting an early withdrawal (subject to the 4.5% fee), (b) requesting a company buyback, or (c) transferring or selling shares through platform features where and when they are made available and legally permitted.

Exit requests are subject to review, verification, available liquidity, applicable holding conditions, and any legal or regulatory requirements. Submitting a request does not guarantee execution, price, or timing. We will describe the specific process and any applicable terms at the time an exit option is offered.

If you submit a property through the seller portal, you represent that you have the authority to do so and that the information you provide is accurate. A submission is an expression of interest only and does not create any obligation for EquityN to purchase, list, or make an offer. Any acquisition will be governed by a separate written purchase agreement.

Where offered, rent-to-own and rental arrangements are governed by separate lease, option, or purchase agreements that control in the event of any conflict with these Terms. Tenants may be responsible for rent, applicable late fees, and their obligations under their lease. Rent-to-own participation, credits, option fees, and purchase terms are described in the applicable contract.

Payments on EquityN are processed by third-party payment providers. By making a payment, you authorize us and our providers to charge your selected payment method for the amounts due. You are responsible for any fees charged by your own financial institution. We do not store full payment card numbers; those are handled by our payment processor.

All content on EquityN is provided for informational purposes only and is not investment, legal, accounting, or tax advice, and is not a recommendation or solicitation to buy or sell any security or property. Real estate investing involves risk, including the possible loss of principal. You are solely responsible for your investment decisions and should consult your own professional advisors. Please review the risk disclosures on the Fees & Disclosures page.

You agree not to: use the platform for any unlawful purpose; provide false information; attempt to gain unauthorized access to any account or system; interfere with or disrupt the platform; scrape, reverse engineer, or copy the platform except as permitted by law; upload malicious code; or use the platform to launder money or evade sanctions. We may investigate and take appropriate action, including suspension, termination, and reporting to authorities.

The EquityN platform, including its software, design, text, graphics, and trademarks, is owned by [Company Legal Name] or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the platform for its intended purpose. You retain ownership of content you submit but grant us a license to use it as needed to operate the platform and provide the services.

The platform relies on and may link to third-party services (for example, payment processing, identity verification, electronic signature, property data and valuation, email delivery, cloud storage, and analytics). We are not responsible for the content, policies, or practices of third parties. Your use of third-party services may be subject to their own terms and privacy policies.

The platform is provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the platform will be uninterrupted, error-free, secure, or that any information (including estimated values) is accurate, complete, or current. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

To the maximum extent permitted by law, EquityN and its owners, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or related to your use of the platform. To the maximum extent permitted by law, our total aggregate liability for any claim relating to the platform will not exceed the greater of [the total fees you paid to EquityN in the twelve months before the claim] or [$100]. Nothing in these Terms limits liability that cannot be limited under applicable law.

You agree to indemnify and hold harmless EquityN and its owners, officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the platform, your violation of these Terms, or your violation of any law or the rights of any third party.

You may stop using the platform at any time. We may suspend or terminate your access at our discretion, including for violations of these Terms or where required by law. Provisions that by their nature should survive termination (including ownership, disclaimers, limitations of liability, and dispute resolution) will survive. Termination does not by itself affect vested ownership interests, which will be handled in accordance with the applicable investment documents.

These Terms are governed by the laws of the State of [State], without regard to its conflict-of-laws rules. [Insert the agreed dispute-resolution mechanism here — for example, binding arbitration on an individual basis, venue, and any class-action waiver. This section must be drafted and confirmed by your attorney.] Any dispute not subject to arbitration will be resolved in the state or federal courts located in [County, State], and you consent to their jurisdiction.

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date and, where appropriate, provide additional notice. Your continued use of the platform after changes take effect constitutes acceptance of the revised Terms.

Questions about these Terms can be directed to: [Company Legal Name], [Mailing Address], [Contact Email].