General terms of use

Investing in real estate opportunities presented by Imvesters involves a risk of partial or total loss of capital. Past performance is not a reliable indicator of future performance and presented returns are projections, not guarantees.

Investments are generally illiquid and there is no organized secondary market. The platform does not hold a FINMA authorization and is not subject to prudential supervision. Before investing, read the full Disclaimer, these Terms of Use and the contractual documentation specific to each opportunity.

The website is operated by S2I (Swiss Innovative Investment) SA, Voie du Chariot 3, 1003 Lausanne, Switzerland. Email: info@imvesters.ch. Phone: +41 21 311 40 40.

Imvesters is the commercial brand operated by S2I for real estate crowdfunding activities. Gillian Nespolo is registered in the ARIF client advisor register under number 4038 and the competent mediation body is FINSOM.

The Company does not hold a FINMA authorization and is not subject to FINMA prudential supervision. Presented opportunities are not banking products and invested funds are not protected by a deposit guarantee scheme.

• Website: imvesters.ch and its subdomains.
• Company / Imvesters: S2I (Swiss Innovative Investment) SA, operator of the Imvesters brand.
• User: any natural or legal person accessing the website.
• Investor: any user who has completed identification procedures and participates in an opportunity.
• Opportunity / Project: any real estate financing project presented or referenced on the website.
• Contractual documentation: legal documents specific to each opportunity, including term sheets, loan agreements, KYC/AML documents and special conditions.

The website presents the Company, its approach and real estate crowdfunding opportunities, and provides editorial tools for informational and educational purposes.

Published content is provided for informational and commercial purposes only. It does not constitute legal, tax or personalized investment advice, a public offer, or independent financial research.

Each opportunity is governed by its contractual documentation, which prevails in case of discrepancy with website content.

General website content is freely accessible. Access to full contractual documentation, the personal area and subscription to an opportunity may require account creation, identity verification, AML/KYC checks and acceptance of applicable documentation.

• The user must be of legal age and legally capable.
• Identification information must be accurate and up to date.
• The user must complete KYC and AML checks in accordance with Swiss law.
• Where relevant, investor qualification may be verified under FinSA.

The Company may refuse any subscription at its sole discretion. Funds are not held by the Company and are not covered by a deposit guarantee scheme.

• Expression of interest by the user.
• Identity verification and KYC/AML checks.
• Delivery of contractual documentation for the opportunity.
• Electronic signature of the relevant agreements.
• Transfer of funds through segregated escrow or payment accounts held by regulated third parties.
• Confirmation of subscription and allocation according to contractual terms.

Applicable fees are specified in the contractual documentation for each opportunity. No fee applies without prior information in the relevant documents or subscription journey.

Some opportunities may benefit from security interests, guarantees or collateral. These do not guarantee full recovery of invested capital in case of default.

The investment decision and its consequences remain the sole responsibility of the investor.

The website structure, texts, images, videos, graphics, logos, trademarks, databases and source code are protected by Swiss and international intellectual property law.

Unauthorized reproduction, adaptation, translation, distribution or exploitation is prohibited.

The Company uses reasonable efforts to maintain website availability and accurate information, but does not guarantee uninterrupted access or absence of errors.

Personal data processing is described in the Privacy Policy. The website uses cookies and similar technologies to operate, measure audience and personalize the user experience, subject to consent where required.

The user may receive electronic communications related to their account or investments. Newsletter subscription is optional and can be withdrawn at any time.

These Terms of Use are governed by Swiss law. Any dispute relating to their interpretation or performance is subject to the ordinary courts of the Canton of Vaud in Lausanne, subject to mandatory consumer protection rules.