PINCOOP (www.mypincoop.com,)  seeks to build a co-ownership community with the sole aim of simplifying access to income-producing properties. These Terms and Conditions (“Terms”) govern the access to and use of this platform managed by PEDC Ltd and the opportunities on this platform are powered by Paradise Investment Network Cooperative Multipurpose Society Limited, a duly registered Cooperative Society, whose mission is to empower people to collectively realize their economic aspirations while strengthening their social and human capital and developing their communities (“PINCOOP”, “we”, “our” or “us”). By using any of our Services, you agree to be bound by these Terms, the Privacy Policy, and all other operating rules, policies, and procedures that may be published by us from time to time on this platform, each of which is incorporated by reference into these Terms. References in these Terms and Conditions to “you” (or such similar descriptions) are references to you as an individual or legal entity as the case may be.

1. User Requirement

1.1 The opportunities and services offered on this platform are in the first instance available to individuals who are at least eighteen (18) years old (as well as individuals who have attained the legal age in the jurisdiction of their domicile). However, we may through the Cooperative Society allow minors, through their guardians, to avail themselves of some of the opportunities that we list on this platform from time to time.

1.2 You represent and warrant that if you are an individual, you are at least eighteen (18) years old or have attained the legal age in your jurisdiction, that you are fully able and competent to enter into a legally binding agreement with us, as it relates to your access to and use of this platform, and that all registration information you submit is accurate and truthful.

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1.3 You agree that if you are seeking to benefit from the co-ownership opportunities on this platform on behalf of a company, a minor, or other legal entity, you represent and warrant that you have the authority to bind that entity to the terms of this Agreement.

1.4 You agree to provide such registration data which will contain information about you as may be prompted by any registration form on this platform and to keep such data updated at all times.

1.5 In the event that you are provided with or you choose to provide a user identification code, password, or any other piece of information as part of our security procedures, you agree to treat such information as confidential and not to disclose it to any third party. Furthermore, you agree that once you are granted access to the Platform, such access right is not transferable to any other person.

1.6 You agree to comply with all local laws regarding online conduct and acceptable content publishable on this platform. You are responsible for all applicable taxes payable as a result of your activity on this platform.

2. Co-ownership Terms

2.1 You agree that by co-owning any of the lands or landed properties presented on this platform, you will observe the minimum holding period ascribed to the properties and that your principal will be unavailable to you for the duration of the lock-in period. However, at the end of the minimum holding period, you can choose to redeem your principal and the interest that has accrued on any of the plans you subscribe to or you can choose to roll over your capital and renew your plan for another term, except for projects that have a fixed tenure.

2.2 You shall receive from us a certificate of purchase acknowledging your interest as a co-owner of any of the assets comprised in the plans you subscribe to on our platform within five (5) business days of your subscription, and it shall itemize the terms of the co-ownership opportunity and also serve as evidence of your share and interest.

2.3 You shall be entitled to receive periodic updates on the status of the real estate projects subscribed to by you via the email address contained in your registration form. The updates will also be uploaded to your User Dashboard and you are expected to review the updates as they represent progress trackers for the projects you have subscribed to via your PINCOOP account.

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2.4 You acknowledge that you do not exclusively own any of the properties contained in your PINCOOP Portfolio and that you are only entitled to share the return generated therefrom and/or capital gains from the sale, thereby entitling you to the economic interest attached to the properties, payable in accordance with the terms of your purchase, and Certificate of Purchase.

3. Your Access to our Platform

3.1 We provide you access to our platform at no cost to you. However, we cannot guarantee you that access to the platform will always be available or uninterrupted.

3.2 There are instances where your access to our platform will be impeded and those instances are as follows;

3.2.1 When you violate any of the provisions of these Terms or when you provide inaccurate registration data: In which case, your access to our platform may be suspended, withdrawn, or discontinued.

3.2.2 When we carry out routine maintenance or effect an update or an upgrade to the platform: In which case, due notification will be given to you.

4. Service Fees

4.1 PINCOOP charges its members a platform fee of FIVE percent (5%) of the cost of land and property stock transaction on this Platform. We may also charge additional fees which vary from time to time and we are not responsible for any levies, taxes, charges, governmental or otherwise in respect of this Platform.