Terms of Service | Tribe Platform Usage Terms

Introduction

Tribe Tokenisation FZE is a company incorporated and registered in the Dubai World Trade Centre with company registration number L-4201 whose registered address is at 440, Level 3, The Offices, Dubai, United Arab Emirates and is applying for authorization and licensing by the Dubai Virtual Assets Regulatory Authority ("VARA") for the purpose of broker-dealer activities under VARA licence number [TBC].

Tribe Tokenisation FZE is a wholly owned subsidiary of Tribe Technology Holding Limited, a company incorporated and registered in ADGM whose registered office is at DD-15-134-004–007, Level 15, WeWork Hub71, Al Khatem Tower, Abu Dhabi Global Market Square, UAE.

By continuing to use the Platform, you agree to be bound by the terms and conditions set out in this Agreement together with the:

Further, you agree and acknowledge that you have read and understood the Key Risks and Disclosure on our Platform. This Agreement will come into effect upon you confirming electronically on the Platform that you agree to them. A copy of this Agreement will be provided upon acceptance of the terms on our Platform.

Definitions

"ARVA" means Asset-Referenced Virtual Asset, a tokenized representation of real estate property ownership compliant with VARA regulations.

"Token" refers to a tokenized unit representing fractional ownership in a Property, with each Property divided into up to 10,000 tokens per square metre.

"Client Money Account" means a standalone bank account designed to securely hold funds separately from Tribe's operational finances. This segregation ensures the distinct separation of client funds, minimizing the risk of misuse or misappropriation and prioritizing the safety and protection of clients' assets.

"Commitment Period" means a period commencing from the time you have invested in the Property through the Platform until the Property has been transferred and tokens have been issued.

"Community Tenant" refers to a member of the Tribe community who rents a Property and has the opportunity to build equity through secondary token purchases.

"Cooling Off Period" refers to a period consisting of the first 24 hours after you invest in a Property.

"Dividend" refers to the periodic income generated by the Investment less any fees or costs.

"Funding Target" refers to the investment required to acquire the Property including, without limitations, all associated costs as detailed on the Platform.

"Investment" means the number of Tokens you own by purchasing a fraction of the Property through Tribe. In return, Tribe will facilitate the acquisition of the subject Property and you will hold tokenized ownership for the Investment Term.

"Investment Round" refers to a defined period detailed on the Platform during which the fundraising activities are carried out to achieve the Funding Target.

"Investment Term" refers to a period commencing from the date when you acquire the Property Tokens until such Property is sold either upon the expiry of the investment period or early sale of the Property by majority vote of the Investors.

"KYC and AML" means all the applicable measures, processes and techniques used for Know Your Customer (KYC) and Anti-Money Laundering (AML) purposes to identify an investor and their source of funds, in accordance with our KYC and AML Policy.

"Lock-in Period" means the three (3) month period from the date of the Investment Term. Within this period, Investors cannot sell their Tokens.

"Material Change" means any change that may significantly affect the value of the Property, the ability to rent it, return on the Property, or the value of the Investment.

"Platform Documents" refers to all disclosures, information, agreements, terms and conditions and policies made available on the Platform.

"Property" means a villa or residential property identified for investment or acquired via Tribe on behalf of the investors.

"Property Valuation" refers to the systematic process of determining the monetary value using DLD smart valuation or accredited valuers.

"Tribe Wallet" refers to the funds held in the Client Money Account pertaining to the customer.

"Tribe Account" refers to a user account created on the Platform showing Tribe Wallets and personalized features for investments and fund management.

"ROI" means the return on investment on a Property over the Investment Term, calculated as total net income from Dividends and capital appreciation.

"Reserve Funds" is an amount deducted at the start of the Investment for maintenance charges.

"Sale Value" refers to the gross proceeds received from a buyer at the end of the Investment Term or from secondary token sales.

"Title Deed" is a legal document serving as evidence of ownership registered with Dubai Land Department.

"You", "your" and "Investors" refers to current or potential investors of Property Tokens.

Client Identification

This Agreement is entered into between:

The VASP

Legal Name: Tribe Tokenisation FZE
Registration Number: [TBC]
VARA License Number: [TBC]
Registered Address: 440, Level 3, The Offices, Dubai World Trade Centre, Dubai, United Arab Emirates
Email: support@tribeinvest.co

The Client

Upon account creation, you are required to provide and maintain accurate information including:

Full legal name (as per government-issued identification)
Date of birth
Nationality and country of residence
Government-issued identification number (Emirates ID, passport)
Residential address
Contact details (email address and phone number)
Source of funds & wealth information

You agree to notify Tribe immediately of any changes to the information provided above within 14 calendar days of such change occurring.

Tribe reserves the right to request updated identification documentation at any time to maintain compliance with KYC and AML requirements.

Your electronic acceptance of this Agreement on the Platform constitutes your confirmation that all information provided is true, accurate, and complete.

Failure to provide accurate identification information or update changes may result in suspension or termination of your Tribe Account and restrictions on your ability to transact.

General

The Platform is developed and managed by Tribe and provides details of each Property available for tokenized investment. Our role is to facilitate the purchase of tokenized real estate Tokens to prospective investors through the Platform. Individual Investors will own Tokens representing direct fractional ownership of the Property, subject to this Agreement. The ownership will be held in tokenized format on the XRP Ledger (XRPL). These tokens are issued through our partnership with CTRL ALT Solutions DMCC and registered with the Dubai Land Department (DLD).

We will start an Investment Round through the Platform to pool Investments from potential Investors to secure the Funding Target. Once achieved, Investors will directly own Tokens of the Property proportional to their investment amount, with ownership recorded on the blockchain and registered with DLD.

Tribe will verify the sale price using DLD's smart valuation or independent accredited valuers who will provide a report on the Property.

Subject to the terms of this Agreement, you understand that your Investment will be used for the acquisition of Property Tokens. By investing, you agree to pay proportional fees and charges associated with the acquisition and related costs as set out on the Platform.

If we fail to achieve the Funding Target within the specified period, the Investment Round will be extended, or discontinued and your invested amount will be returned to your Tribe Wallet in full. No costs, expenses or fees will be deducted except for any applicable foreign exchange charges. The specified period is subject to the agreement with the seller and can be found within the relevant property information section.

We use reasonable endeavours to gather and make available relevant information about each Property on the Platform.

The duration of the Investment Round may vary and is subject to agreement with the Seller.

Property Ownership Structures

Properties offered through the Platform may utilize one of two legal ownership structures, with the applicable structure clearly disclosed on the Platform for each investment opportunity prior to investment confirmation.

DLD Registration Model

The Property is acquired and legal title is registered directly with the Dubai Land Department (DLD) in the names of all participating investors as fractional co-owners.
Each investor receives a proportional share of the official Title Deed issued by DLD, reflecting their percentage ownership of the Property.
Tokenized ownership (ARVAs/Tokens) issued on the XRP Ledger provides the digital representation of your DLD-registered fractional ownership.
Your ownership rights are dual-layered: (1) legal ownership registered with DLD as evidenced by Title Deed, and (2) tokenized representation on the blockchain providing platform functionality for transfers and dividend distribution.
DLD registration fees (2% or 4% of purchase price) are applicable and detailed in the Fees to Investors section.
This model provides direct property ownership rights enforceable under UAE real estate law.

Special Purpose Vehicle (SPV) Model

Under the SPV Model:

A Special Purpose Vehicle is established as a legal entity for the sole purpose of holding legal title to the Property.
The SPV is registered as the sole owner of the Property.
Investors do not receive direct Title Deeds; instead, investors hold tokenized units (ARVAs/Tokens) representing beneficial economic ownership and economic rights in the SPV.
The SPV structure provides investors with one or multiple rights: proportional rights to rental income generated by the Property (Dividends); proportional rights to capital appreciation upon Property sale; voting rights on Property management decisions; and transfer rights subject to the Lock-in Period and Platform requirements.
Your tokenized ownership (ARVAs/Tokens) represents your economic interest in the SPV, which in turn owns the underlying Property.

Disclosure and Transparency

The applicable ownership structure and property-specific disclosures for each Property are clearly identified on the Platform during the Investment Round before you commit funds. Both ownership models provide economic rights, with the primary difference being the form of legal title holding.

Additional SPV-Specific Terms

For investments utilizing the SPV Model:

The SPV is managed by Tribe or a designated SPV Manager acting in the interests of all token holders.
SPV operating costs (if any) are disclosed on the Platform and may be deducted from rental income.
Token holders have no direct management control over the SPV entity.
Upon Property sale or SPV liquidation, proceeds are distributed to token holders proportionally after settling all SPV liabilities and costs.

Terms of Your Investment

You agree to make investments in Property Tokens using the Platform under this Agreement. The Investment Term is initially set at 12 months, after which Investors vote every 6 months on whether to sell or hold the Property. We will appoint a qualified Property Manager at the start of each Investment Round.

Properties are tokenized into up to 10,000 Tokens per square metre, with a minimum of 5 investors per property required.

By investing through the Platform, you agree to the proposed Investment Term and the appointment of the Property Manager.

Minimum investment is AED 2,000, representing the smallest token allocation available.

Maximum investment per investor is 20% of any single Property's total value.

You represent that you have used your own independent judgment and any additional advice sought to make your investment decision. Information on the Platform should not be considered investment advice.

Investment in real estate is speculative. Property values may fall and rental income is not guaranteed. You must be prepared to hold for the full Investment Term.

Your Investment will be combined with other investors to purchase the Property.

Your ownership percentage equals your investment amount divided by the Funding Target multiplied by 100.

Purchase costs include brokerage fees, valuation, Tribe's acquisition fee, DLD fees, and utility connections and other fees as detailed on the Platform.

Investment is complete when the Funding Target is reached and the Property is purchased with tokens issued.

We reserve full discretion to reject properties, cancel Investment Rounds, or reject investment requests.

If Material Changes occur during the Commitment Period, we will notify Investors who must reconfirm within 5 business days.

Material Changes during the Investment Term will be communicated with proposed actions for Investor consideration.

Investment Round

After identifying a Property, we list it on the Platform to combine investments and reach the Funding Target.

We may engage in pre-sale negotiations to optimize value for Investors.

Properties are sourced using AI tools, market analysis, and community input to identify optimal investment opportunities.

Know-Your-Customer (KYC) and Anti-Money Laundering (AML) Policy

Money laundering is the concealment of criminal proceeds. It is a serious crime involving activities such as terrorist funding, illegal arms trading, drug trafficking, fraud, and human trafficking. In accordance with relevant AML Laws governing DWTC entities and VARA regulations, we have implemented controls and procedures ("AML Policy") to detect and manage money laundering risks. This includes Customer Due Diligence, appointment of a Money Laundering Reporting Officer (MLRO), and mandatory AML training.

You cannot use your Tribe Account for any transactions without completing Customer Due Diligence requirements.

Restricted Jurisdictions and Prohibited Persons

Tribe does not provide services to individuals or entities from certain restricted jurisdictions in compliance with United Arab Emirates law, VARA regulations, international sanctions, and anti-money laundering requirements.

Sanctioned Countries: You represent and warrant that you are not a resident of, located in, or conducting transactions from any of the following sanctioned jurisdictions:

Cuba
Democratic People's Republic of Korea (DPRK, also known as North Korea)
Iran
Myanmar
Any other country or territory subject to comprehensive sanctions imposed by the United Nations Security Council, the United States Office of Foreign Assets Control (OFAC), the European Union, or the United Arab Emirates.

United States Persons: The Platform and Tribe's services are not available to "U.S. Persons" as defined below:

Any individual who is a citizen or resident of the United States of America
Any individual holding a United States Permanent Resident Card (Green Card)
Any individual physically present in the United States or any of its territories
Any entity organized under the laws of the United States or any state, territory, or possession thereof
Any trust or estate subject to United States taxation regardless of the source of income

Ongoing Compliance: You agree to immediately notify Tribe if your residency status, nationality, or location changes such that you would become a Restricted Person under this section. Failure to notify Tribe may result in immediate account suspension, investment liquidation (subject to Lock-in Period restrictions), and return of funds less applicable fees and costs.

Consequences of Breach: If Tribe determines that you have provided false information regarding your jurisdiction or status, or that you have become a Restricted Person during the Investment Term, Tribe reserves the right to:

Immediately suspend or terminate your Tribe Account
Liquidate your investments (subject to Lock-in Period restrictions and market conditions)
Return remaining funds to your last verified bank account less all applicable fees, costs, and penalties
Report the violation to relevant regulatory authorities including VARA and the UAE Financial Intelligence Unit

Sanctions Screening: All investors are subject to ongoing sanctions screening using third-party compliance tools. Tribe reserves the right to reject or reverse any transaction that triggers sanctions alerts or compliance concerns.

Deposit and Withdrawal

Subject to KYC and AML requirements, the Platform allows deposits to your Tribe Wallet via bank transfer or approved payment methods through Checkout.com. You must be the account holder or authorized representative.
Deposits can be made in AED. Other currencies will be converted at prevailing exchange rates.
We reserve the right to reject deposits for non-compliance with KYC/AML requirements.
No interest is earned on Tribe Wallet balances.
Funds in your Tribe Wallet remain yours until used for Investment.
Withdrawals are subject to KYC/AML clearance and will be processed to your registered bank account.
Minimum withdrawal is AED 500 unless closing your account.
You can view your Tribe Wallet balance on the Platform dashboard.
Promotional credits cannot be withdrawn and are subject to specific terms.
All transfer and exchange charges are borne by you.
We may restrict accounts to comply with regulations or update KYC requirements.
Client funds are held in segregated Client Money Accounts per VARA requirements.
DLD fees are transferred to a Trust Account pending property transfer.
Your funds are held according to VARA rules without deposit protection.
We conduct due diligence on banking partners but accept no liability for their acts or omissions.
Your funds are pooled with other Investors' funds in segregated accounts.
Withdrawal accounts must be in your name.
Investment cancellation is only permitted within the Cooling Off Period.

Client Asset Safeguarding

Tribe has implemented comprehensive procedures to safeguard both Client fiat currency funds and Virtual Assets (ARVAs/tokens) in accordance with VARA regulations and international best practices.

All client Fiat Currency funds deposited to your Tribe Wallet are held in segregated Client Money Accounts maintained in AED with Zand Bank P.J.S.C (CBUAE ID Number 01.01.01.064.2022.02) in the United Arab Emirates, separate and distinct from Tribe's operational accounts.

Segregation Controls

Client Money Accounts are clearly labeled and identifiable as client funds.
No Tribe operational expenses are paid from Client Money Accounts.
Daily reconciliation of client ledger balances against bank account balances.
Quarterly independent audit by auditors.

Trust Account for DLD Fees

DLD registration fees are transferred from the Client Money Account to a designated Trust Account upon reaching Funding Target.
Trust Account funds are used exclusively for payment to Dubai Land Department upon property transfer.

Custody Architecture

All client VA wallets are custodial and warm: transactions are orchestrated by API but require human approval.
Clients have read-only visibility without private-key access or withdrawal capability.
Tribe does not hold VAs in its own name, does not operate VASP-owned VA wallets, and maintains client VAs as bankruptcy-remote in accordance with applicable UAE law and VARA requirements.
Material Token movements of value are protected by 2-of-4 multi-party approvals, multisignature layered with MPC.
Tribe uses domain-based segregation so that wallets, users, and blockchain accounts are isolated from other group entities. All policy changes within custody domains require dual approval and are recorded in immutable logs.

Private Keys

Private key never exists in whole: key generation occurs using Ripple Custody's proprietary cryptographic key mechanism. Key "shards" are retained separately by Ripple Custody and Tribe.
Storage uses AWS Secure/Nitro Enclaves and KMS, with separate administrative control by Ripple Custody and Tribe.

VA Custody and Control Chain

Custody During Investment Process

Before Property acquisition and token issuance, your FIAT funds are held in AED currency in segregated Client Money Accounts. Virtual Assets (ARVAs/Tokens) do not exist during this stage.

Token Issuance and Initial Custody

Upon successful property acquisition and completion of the Investment Round:

Your ARVAs (tokens) are issued and recorded on the XRP Ledger (XRPL) through our partnership with CTRL ALT Solutions DMCC.
CTRL ALT Solutions DMCC is a VARA-licensed Virtual Asset Service Provider located at Unit No: 3706, Jumeirah Business Centre 4, Cluster G, Jumeirah Lakes Towers, Dubai, United Arab Emirates.
CTRL ALT Solutions DMCC holds VARA License Number: VL/25/05/002.

Transfer to Tribe

Following token issuance, the Virtual Assets (Tokens) are transferred to custodial wallets powered by Ripple Middle East Limited ("Ripple Custody") controlled by Tribe Tokenisation FZE. From this point forward:

Your Virtual Assets remain within Tribe Tokenisation FZE Platform throughout the Investment Term.
Tribe Tokenisation FZE does not maintain VA wallets for proprietary holdings and client VAs are never treated as Tribe's.
You have read-only access to view balances and transact within permitted platform workflows. Off-platform withdrawals are strictly prohibited and not possible.
All custody arrangements are maintained within the United Arab Emirates.

No Third-Party Custody

At no point during the Investment Term are your Virtual Assets held by third parties outside of the initial issuance process.

Property Registration

While the underlying Property ownership is registered with Dubai Land Department (DLD), the tokenized representation (ARVAs/Tokens) remains under Tribe's custody and control on the XRP blockchain.

Investment Process

After investing, your Investment cannot be cancelled unless:

Within the Cooling Off Period
Funding Target not reached
Investment Round discontinued

Confirmed investments proceed to property acquisition once Funding Target is met.

Funds are held in AED currency.

Dividends are paid in AED to your Tribe Wallet.

We provide no financial, accounting or legal advice. Seek professional advice as needed.

Cooling Off Period

You may withdraw your Investment within 24 hours via the Platform or by emailing support@tribeinvest.co.

Withdrawals return only the original invested amount without promotional benefits and fees deducted.

Withdrawn funds return to your Tribe Wallet for reinvestment or withdrawal.

Investment Returns

Rental Dividends are credited to your Tribe Wallet after deducting property expenses and fees.
Returns depend on occupancy, rental income, and expenses including property management and Tribe's fees.
Dividends are typically paid within the first week of each month.
Minimum dividend distribution is AED 0.1.
Legal action for unpaid rent requires Investor approval and cost-sharing.
You are responsible for taxes on investment income.

Airdrop Policy

No Airdrop Support

Tribe does not support airdrops on the Platform. In the event that any airdrop, fork, or distribution of additional Virtual Assets occurs related to the ARVAs (token) or the underlying blockchain (XRP Ledger), you acknowledge and agree that:

Tribe has no obligation to claim, distribute, or credit any airdropped or forked assets to your account.
You waive any rights or claims to such airdropped or forked assets.
Tribe may, at its sole discretion, choose to ignore, decline, or dispose of any such assets without liability.

Rationale

ARVAs (tokens) issued by Tribe represent direct fractional ownership in real estate Properties. The value and rights associated with your Investment derive solely from the underlying Property, not from any potential airdrops or distributions on any blockchain network.

Property Management, Voting and Maintenance

An independent Property Manager handles day-to-day management under agreement with Tribe.

Investors vote on:

Material maintenance exceeding 5% of property value or AED 100,000
Investment Term modifications
Property sales (60% majority required)

Voting notifications sent via Platform/email/WhatsApp with specified voting periods.

Property management includes existing tenant continuity, Reserve Fund maintenance, and sale fee responsibilities.

Ongoing Statements and Valuations

Voting notifications are sent via Platform/email/WhatsApp with specified voting periods.

Access investment information via your Platform dashboard including income statements and valuations.

Three times annual valuations using DLD smart valuation or accredited valuers.

Fees to Investors

Transaction Fees

Investment Fee: 2% of investment amount, charged upon confirmation of your investment.
Performance Fee: 20% of capital appreciation, calculated as the difference between the Sale Value and the original purchase price, capped at a maximum of 20% of the original property purchase price. For clarity, if a property purchased for AED 1,000,000 appreciates to AED 1,500,000, the performance fee is calculated as 20% of AED 500,000 appreciation (AED 100,000), subject to the cap of 20% of AED 1,000,000 (AED 200,000). In this example, the performance fee would be AED 100,000.
Fixed Fee (No Appreciation Scenario): In cases where the Sale Value does not exceed the original purchase price (i.e., no capital appreciation occurs), a fixed fee of 1% of the Sale Value will be charged in lieu of the performance fee.
Fee Discounts: Tribe reserves the right to apply fee discounts at its sole discretion based on factors including but not limited to investment amount, investor loyalty, promotional campaigns, or strategic partnerships. Any applicable discounts will be clearly disclosed prior to investment confirmation.

Regulatory and Transfer Fees

Dubai Land Department (DLD) Transfer Fee: 2% of property purchase price, payable to DLD upon property transfer.

Purchase and Ongoing Fees

Buyer Brokerage Fee: 2% of your allocation, if applicable and as disclosed on the Platform.
Property Management Fee: minimum 5% of gross rental income, charged monthly.
Miscellaneous Fees: Reserve fund contributions, furnishing costs, property insurance, and other property-specific fees as detailed on the Platform for each investment opportunity.

All fees are rounded to the nearest fils (1/100th of a dirham).

Changes to the fee structure require 30 calendar days' written notice via email and Platform notification. Fee changes will not apply retroactively to existing investments unless required by regulatory mandate.

Detailed fee disclosures for each specific property investment are available on the Platform prior to investment confirmation.

Representations

By using the Platform, you represent that you:

Are legally entitled to invest
Have capacity to enter binding agreements
Are at least 18 years old
Provide accurate registration information
Understand fraud is punishable by law
Act as principal, not agent
Have legitimate fund sources
Are not insolvent or bankrupt
Can legally invest from your location
Will secure your account
Understand investment risks
Won't use Platform harmfully
Have appropriate security systems

False representations may result in account termination and fund return less charges.

Transfers and Sales

You can transfer or sell Tokens after the Lock-in Period through:

Majority vote for full property sale
Transfers due to incapacity (nominated beneficiary)
Family transfers (subject to approval and KYC)
Corporate insolvency proceedings

After the Lock-in Period, Tokens can be sold on the Platform.

Community Tenants have first right of refusal on secondary token sales. Any remaining Tokens are then offered to existing investors in that Property, then any remaining Tokens thereafter are offered to any registered investor on the Tribe app.

Termination and Variation

Agreement continues indefinitely unless terminated due to:

Tribe insolvency
Tribe discretionary termination
Account closure by you

We may amend this Agreement with 30 days' notice. Continued use constitutes acceptance.

Service Modifications and Changes

Tribe reserves the right to modify, suspend, or discontinue any service, feature, or Virtual Asset Activity provided through the Platform at any time, with or without prior notice, for reasons including but not limited to:

Regulatory compliance requirements
Technical limitations or system upgrades
Security concerns or risk management
Changes in market conditions
Operational necessity

Where material changes are made to existing services that affect your current Investments, we will provide you with at least thirty (30) calendar days' advance notice via email and Platform notification.

Material service changes include but are not limited to:

Changes to fee structures affecting existing Investments
Modifications to distribution mechanisms
Changes to voting rights or governance procedures
Alterations to the custody or holding arrangements of Virtual Assets

In cases of urgent regulatory, security, or legal requirements, Tribe may implement immediate changes without prior notice, but will notify affected Investors as soon as reasonably possible thereafter.

If a service modification materially affects your Investment, you may have the right to exit your position subject to the terms outlined in the Transfers and Sales section and applicable Lock-in Period restrictions.

Continued use of the Platform following notification of service changes constitutes your acceptance of such changes. If you do not accept the changes, you may close your account in accordance with the Termination and Variation section.

Tribe is not liable for any losses resulting from service modifications made in compliance with regulatory requirements or necessary for platform security and integrity.

Contingency Planning

Our Business Continuity Plan addresses service interruptions to protect data and restore operations.

Our Wind-Down Plan provides for orderly wind-down if permanent closure is required.

Plans are available upon request to support@tribeinvest.co.

Risk of Loss

You acknowledge and accept the existence of the following risks of loss that may result from failures in services provided by Tribe Tokenisation FZE:

Platform Technical Failures

System downtime, outages, or technical malfunctions may temporarily prevent access to your Tribe Account, Investment information, or the ability to execute transactions.
Data corruption or loss could affect historical records, though blockchain records remain immutable.
Cyber attacks, hacking attempts, or security breaches could compromise Platform functionality.

Payment Processing Failures

Bank transfer delays or failures may affect deposit or withdrawal processing.
Third-party payment processor disruptions could prevent fund movements.
Foreign exchange rate fluctuations during processing.

Property Management Failures

Independent Property Manager insolvency, negligence, or breach of duty.
Failure to collect rent or maintain the Property adequately.
Misappropriation of rental income or Reserve Funds.

Tokenization Infrastructure Failures

CTRL ALT Solutions DMCC technical failures during token issuance.
XRPL blockchain network disruptions (though highly unlikely given decentralized nature).
Smart contract vulnerabilities or exploits.

Regulatory or Legal Disruptions

Changes in VARA regulations requiring service modifications.
Court orders or regulatory actions restricting operations.
Loss of required licenses or authorizations.

Mitigation Measures and Safeguards

To mitigate the risks outlined above, Tribe has implemented the following measures:

Technical Infrastructure:

ISO 27001 & SOC 2 Certifications.
Security audits and penetration testing by independent third parties.
Redundant backup systems for data protection and disaster recovery.
Disaster recovery procedures as outlined in our Business Continuity Plan.
Regular software updates and patch management.

Financial Safeguarding:

Segregated Client Money Accounts held with tier-1 licensed UAE banks separate from Tribe's operational funds.
Daily reconciliation of client balances.
Independent audit of client money holdings.
Professional Indemnity Insurance covering errors, omissions, and certain operational failures.
Compliance with VARA's client asset safeguarding requirements.
Designated Money Laundering Reporting Officer (MLRO).

Virtual Asset Protection: To protect Virtual Assets in our custody, Tribe implements:

Segregated custody arrangements of client Virtual Assets.
Regular reconciliation of Virtual Asset holdings against client records.
Warm storage solutions for Virtual Assets.
Strict access controls limiting personnel who can access custody systems.

Property Management Oversight:

Due diligence on all Property Managers including verification of RERA licenses.
Contractual requirements for Property Manager insurance.
Regular performance reviews and site inspections.
Reserve Funds maintained for emergency repairs and maintenance.

Limitations of Risk Mitigation

Despite the measures described above, you acknowledge that:

Third-party service providers operate independently and their failures may be beyond Tribe's control.
Real estate markets and prices, rental price levels, and blockchain technology carry risks that cannot be fully mitigated.
Force majeure events, regulatory changes, or market disruptions may result in losses despite best efforts.
Investment in tokenized ARVAs carries inherent market risks separate from operational risks.

The mitigation measures described do not constitute a guarantee against losses, and you should only invest amounts you can afford to lose.

If you suspect a service failure or loss of Virtual Assets, immediately contact support@tribeinvest.co. We will investigate all reports and take appropriate remedial action.

Limitation of Liability

We facilitate investments but provide no guarantees or professional advice.

Except as required by law, we accept no liability for losses from Platform use or investments.

Information provided is for guidance only, not guaranteed returns.

Indemnity

You indemnify Tribe and affiliated parties against claims arising from:

Agreement breaches
Third-party disputes
Legal violations
Your acts creating liability

This indemnity survives Agreement termination.

Investor Classification

Per VARA Rulebooks, we classify clients as Retail, Qualified, or Institutional Investors.

We assess and assign appropriate classification with associated rights and restrictions.

Reclassification is possible with new information or upon request with evidence.

Qualified Investor Evidence Requirements

To be classified as a Qualified Investor under VARA regulations, you must provide documentary evidence demonstrating that you meet at least one of the following criteria:

Net assets exceeding AED 3,500,000 (or equivalent in other currency), evidenced by audited financial statements, bank statements, or portfolio valuations dated within the past 12 months.
Gross annual income exceeding AED 700,000 (or equivalent in other currency) in each of the past two years, evidenced by tax returns, employer certifications, or audited financial statements.
Professional certifications or licenses demonstrating expertise in financial services, including but not limited to CFA, CPA, or equivalent qualifications recognized by relevant regulatory authorities.

Tribe reserves the right to verify all submitted evidence and may request additional documentation or clarification. Qualified Investor status remains subject to periodic review and reconfirmation as required by VARA regulations.

Regulatory Disclosures

Initial classification is Retail Investor unless qualifying criteria are met.

We identify and manage conflicts of interest per regulatory requirements.

We may have arrangements with partners including commissions or revenue sharing.

Non-enforcement doesn't constitute waiver of rights.

No waiver affects future rights.

Invalid provisions are severed without affecting remaining terms.

No joint venture, partnership or agency is created.

Notices delivered by hand, courier or email to registered addresses.

Communication will always be in the English language.

Disputes governed by applicable law and resolved by Dubai Courts after complaint attempts.

This Agreement constitutes the entire agreement between parties.

Client Feedback and Complaints

We aspire to maintain the highest service standards with transparent terms and fair treatment.

Submit feedback or complaints to support@tribeinvest.co.

Acknowledgment within 14 days including handler details and procedures.
Resolution within 60 days normally, maximum 12 weeks.
Impartial handler with sufficient authority assigned.
Complaints logged and analyzed for systemic issues.
VARA notified of data breaches or systemic problems.
Personal data may be disclosed to regulators if referred externally.
Investigation includes diagnosis, root cause analysis and resolution.
Records maintained for 8 years from receipt.

Contacts

All notices and communications via email: support@tribeinvest.co