Legal

Yes. STOCKESTATE CROWDFUNDING S.R.L. is authorized by Romania’s Financial Supervisory Authority (ASF) under number PJR28FSFPR/400002, dated 29 August 2023.

It is listed in the European Securities and Markets Authority (ESMA) register, with cross-border services registered for the other EU member states, including Italy. ASF is the home-state supervisory authority; cross-border registration is not a separate Italian license.

Authorization of the platform does not mean that a regulator has approved an individual project or guaranteed an investment.

Your investment is governed by a loan agreement between you, as lender, and the project developer, as borrower. The agreement identifies any other parties and their roles, including any platform or security-agent role that applies.

Your claim for repayment arises against the borrower under that agreement. A disruption or failure of the platform does not itself cancel the borrower’s obligations, but it can affect servicing, access to records, payments or enforcement. Neither platform continuity nor recovery is guaranteed.

Identity verification helps meet Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements and confirms who is using the account.

Identity approval is one part of onboarding. Before investing, you must also complete the required account and profile information, email verification, investor classification and applicable investor assessments. Check the outstanding steps in your account to see what remains before you can complete an investment.

stock.estate’s obligations arise from applicable law and from its terms and agreements with investors and project developers. These include the information and verification duties that apply to a regulated crowdfunding provider.

The project owner is responsible for preparing the Key Investment Information Sheet (KIIS), while the platform must have procedures to check its completeness, correctness and clarity. These responsibilities do not amount to a guarantee of the project’s performance.

Review the applicable terms, campaign documents and project updates for the information relevant to your investment.

Keep your personal, company and contact information accurate and up to date, and provide information or evidence about the origin of funds when required.

Read the terms, Key Investment Information Sheet (KIIS) and agreements before investing. Make your own decision based on the risks, repayment schedule and your ability to absorb losses, and comply with the obligations in your signed agreements and applicable law.

Losing your copy of a loan agreement does not itself remove your contractual rights to seek repayment.

Check the documents associated with the investment in your account. If you cannot locate the agreement, contact team@stock.estate with the investment details to request assistance obtaining a copy. Keep your agreements and payment records for your own reference.

GDPR protects the personal data of natural persons. This includes individual investors and people connected with a company account, such as its representatives and beneficial owners.

Information about a company as a legal entity is not itself covered in the same way as personal data. Our privacy policy explains how personal data is used, the applicable retention requirements and how to exercise your rights.

Companies must provide information identifying their ultimate beneficial owners as required for the applicable KYC and AML checks. This can apply both to project developers and to company investors.

Providing this information for verification is different from publishing it to everyone. Any disclosure to authorities or in public project documents must follow the applicable legal requirements; an investor’s beneficial-owner information is not automatically public merely because it is collected for compliance checks.