Effective Date: 09-18-2025

Welcome to RealNote (“Company,” “we,” “our,” or “us”). By accessing or using our website, platform, or services (collectively, the “Services”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree, you must not use the Services.

1. Eligibility

You must be at least 18 years old to use our Services. Certain investment opportunities may only be available to accredited investors or qualified purchasers, as defined under U.S. securities laws.

2. No Investment Advice

The information provided through our Services is for educational and informational purposes only. Nothing on our platform constitutes legal, tax, or investment advice. You are solely responsible for your investment decisions, and we encourage you to consult professional advisors before participating.

3. Securities Compliance

Any investment opportunities offered through the Services will be conducted under applicable exemptions from registration, such as Regulation CF, Regulation D, or Regulation A+. All offers are subject to eligibility, disclosure, and compliance requirements.

4. Risk Acknowledgment

Investing in real estate–secured notes and digital assets involves risk, including possible loss of principal. Past performance does not guarantee future results. By using the Services, you acknowledge and accept these risks.

5. User Responsibilities

You agree not to:

• Use the Services for unlawful, fraudulent, or unauthorized purposes.
• Circumvent security features or attempt to interfere with the platform’s operation.
• Misrepresent your identity, financial status, or eligibility when registering.

6. KYC / AML Requirements

You may be required to provide personal information for identity verification, Know Your Customer (KYC), and Anti-Money Laundering (AML) compliance. We reserve the right to deny access if you fail to meet these requirements.

7. Intellectual Property

All content, trademarks, logos, and materials on the Services are the property of RealNote or its licensors. You may not copy, distribute, or exploit any content without prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, RealNote is not liable for any damages, losses, or claims arising from your use of the Services or participation in investment opportunities.

9. Indemnification

You agree to indemnify and hold harmless RealNote, its affiliates, and its representatives from any claims, liabilities, or expenses resulting from your use of the Services or violation of these Terms.

10. Modifications

We may update these Terms at any time by posting the revised version on our website. Continued use of the Services after changes take effect constitutes your acceptance of the new Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflicts of law principles.

12. Contact Us

If you have any questions about these Terms, please contact us at:
Email: info@realnote.io
Address: Orange County, CA