Terms and Conditions (T&C) for the Use of the HomeHarbor Capital Platform

1. Definitions

• Visitor: Any unregistered person who visits the platform.
• User: A visitor who has successfully registered and gains access to additional features of the platform.
• Investor: A user who acquires assets through the platform.
• Real Estate Company: Any company that raises capital for a real estate project from investors through the platform.
• Real Estate Project: Any project by a real estate company presented on the platform, including financing, acquisition, development, and renovation of real estate.
• Financing Contracts: Contracts for subordinated loans or other financing options that an investor can enter into through the platform.
• Payment Service Provider: A third party that manages payments and assists the platform with transaction processing.

2. Scope

These T&C apply to the use of the HomeHarbor Capital platform. By registering as a user, a contractual relationship is established between HomeHarbor Capital and the user. These T&C govern the relationship between HomeHarbor Capital and the users of the platform, particularly regarding the use of the platform and the mediation of asset investments.

3. Registration

1. Registration on the platform is only permitted for persons over 18 years of age and fully legally competent legal entities.
2. Registration requires truthful information of the necessary data. HomeHarbor Capital reserves the right to reject registrations or delete incomplete registrations.
3. After successful registration, a confirmation email with an activation link will be sent to the user’s specified email address. Registration is only completed after confirmation.
4. Users are obligated to keep their login details secure and to immediately inform HomeHarbor Capital in case of misuse.

4. Use of the Platform

HomeHarbor Capital allows users to access information about real estate projects and financing contracts. The platform does not provide investment advice; the decision to acquire assets is made by the user independently. Users should read the risk notice in full before making investment decisions.

Risk Notice

Investments on the HomeHarbor Capital platform are associated with risks, including the risk of partial or total loss of the invested capital. The investment products are speculative, and their value may fluctuate. Past performance is not a reliable indicator of future results.

Our crowdfunding services are not protected by the EU deposit guarantee schemes (Directive 2014/49/EU). These protection schemes only cover bank deposits and do not apply to crowdfunding.

Likewise, the securities offered on our platform are not secured by the EU investor compensation schemes (Directive 97/9/EC), which typically apply to financial service providers.

Please read the risk notice carefully and consider independent financial advice. Only invest amounts that you can financially afford to lose.

HomeHarbor Capital stands for the highest standards in risk management and transparent communication to ensure you can make informed decisions.

5. Mediation of Asset Investments

1. Users can acquire assets in the form of subordinated loans or participations in real estate projects through the platform. The selection and presentation of projects are conducted by HomeHarbor Capital in cooperation with real estate companies.
2. HomeHarbor Capital assumes no liability for the creditworthiness of the real estate companies and only verifies the plausibility of the provided information. The final decision rests with the investor.
3. HomeHarbor Capital receives a brokerage commission for successfully concluded financing contracts. This is transparently communicated to the user upon conclusion.

6. Fees and Payment Terms

The use of the platform is generally free of charge. Fees may be incurred for the mediation and management of asset investments, detailed in the respective contract documents.

Pricing Structure at HomeHarbor Capital

Transparency, sustainability, and financial success – all in one investment. At HomeHarbor Capital, we understand that clarity is key to successful investments. That’s why we show you how our pricing works and how you benefit in the long term.

Solid Growth Fee

0.9% of the investment amount
The Solid Growth Fee covers comprehensive administrative and management costs. Your investment remains in safe hands as we work with maximum efficiency to manage your capital.

10% of the Solid Growth Fee flows directly into CO₂ certificates at no extra cost to you. This investment supports climate protection projects and contributes to CO₂ reduction.

Shared Success Fee

3% of monthly rental income
The Shared Success Fee is levied on the monthly rental income and serves sustainable development and continuous reinvestment in your real estate projects.

With 10% of the Shared Success Fee, we actively invest in CO₂ offset projects. This initiative not only supports the planet but also demonstrates your commitment to a sustainable future.

Exceeding Excellence Fee

3.7% on profits over 5%
If your investment's return exceeds 5%, an Exceeding Excellence Fee of 3.7% is charged – exclusively on profits above this mark.

7. Liability

1. HomeHarbor Capital is fully liable for damages resulting from injury to life, body, or health, as well as for damages caused by intentional or grossly negligent breaches of duty.
2. In cases of slight negligence, HomeHarbor Capital is only liable for the breach of essential contractual obligations. In such cases, liability is limited to the foreseeable, contract-typical damage.
3. HomeHarbor Capital is not liable for the accuracy, completeness, and timeliness of the information published on the platform.

8. Data Protection

The collection and processing of personal data are carried out in accordance with the General Data Protection Regulation (GDPR). Details on data protection can be found in the Privacy Policy.

9. Right of Withdrawal

Users have the right to withdraw from the contract within 14 days without providing a reason. Further details can be found in the withdrawal notice provided at the conclusion of the contract.

10. Platform Availability

HomeHarbor Capital strives for high platform availability but cannot guarantee constant accessibility. Maintenance, security updates, and technical changes may lead to temporary restrictions.

11. Changes to the T&C

HomeHarbor Capital reserves the right to change these T&C if required due to legal changes, changes in case law, or other important reasons. Changes will be communicated to users by email or on the platform.

12. Recording of Telephone Conversations

HomeHarbor Capital is entitled to record telephone conversations for evidentiary purposes. The recordings will be treated confidentially and made available to the user upon request.

13. Final Provisions

1. These T&C and the legal relationship between HomeHarbor Capital and the users are subject to the law of the Federal Republic of Germany.
2. The place of jurisdiction is the registered office of HomeHarbor Capital, provided the user is a merchant.
3. If individual provisions of these T&C are ineffective, the validity of the remaining provisions remains unaffected.

Contact

HomeHarbor Capital
Arnold-Sommerfeld-Ring 2, 52499 Baesweiler, Germany
Phone: +49 2401 39 49 0 22
Email: info@homeharborcapital.com