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Terms of Service

Last Updated: February 5, 2026

These Terms of Service ("Terms") govern your access to and use of the Investay Capital website, services, and platform (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing investaycapital.com or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Services.

2. Eligibility

You must meet the following requirements to use our Services:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You are not prohibited from using our Services under applicable law
• For investment services, you meet accredited investor requirements (if applicable)

3. Description of Services

Investay Capital provides:

• Alternative Hotel Financing: Blockchain-enabled financing solutions for hotel properties
• Room Inventory Tokenization: Digital asset frameworks for hotel room revenue
• Institutional Investment Opportunities: Access to hospitality real estate investments
• Advisory Services: Consulting on hotel financing and digital frameworks

Note: Our Services are subject to availability and may be modified or discontinued at any time.

4. User Accounts and Registration

4.1 Account Creation

Certain Services may require account registration. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Maintain the confidentiality of your account credentials
• Notify us immediately of unauthorized access

4.2 Account Responsibility

You are responsible for all activity under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

5. Prohibited Uses

You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Use our Services for fraudulent or illegal purposes
• Scrape, copy, or harvest data from our website
• Impersonate any person or entity
• Interfere with or disrupt our Services

6. Investment Disclaimers

6.1 No Investment Advice

Information on our website is for informational purposes only and does not constitute:

• Investment advice or recommendations
• An offer to sell or solicitation to buy securities
• Legal, tax, or financial advice

Consult with qualified professionals before making investment decisions.

6.2 Securities Regulations

Certain offerings may be subject to securities laws. See our Securities Disclaimer for additional information.

6.3 Risk Disclosure

Investments in hospitality assets and digital securities involve risk, including:

• Loss of principal investment
• Market volatility and liquidity risk
• Regulatory and legal risks
• Technology and cybersecurity risks
• Hotel operational and performance risks

7. Intellectual Property

7.1 Our Rights

All content, trademarks, logos, and materials on our website are owned by Investay Capital or our licensors. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding
• Create derivative works

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes.

8. Third-Party Services

Our Services may integrate with or link to third-party services, including:

• Blockchain networks and protocols
• Payment processors
• Identity verification services
• External websites and resources

We are not responsible for third-party services. Your use of third-party services is subject to their terms and policies.

9. Fees and Payment

9.1 Service Fees

Certain Services may require payment of fees, including:

• Financing origination fees
• Advisory and consultation fees
• Transaction and processing fees
• Platform access fees

Fees will be disclosed prior to charging. All fees are non-refundable unless otherwise stated.

9.2 Payment Terms

You agree to:

• Pay all fees when due
• Provide valid payment information
• Authorize us to charge your payment method

10. Confidentiality

We may share confidential business information with you. You agree to:

• Keep all confidential information strictly confidential
• Use confidential information only for authorized purposes
• Not disclose confidential information to third parties

11. Disclaimers and Limitations of Liability

11.1 "As Is" Basis

Our Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of information

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVESTAY CAPITAL SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount you paid to us in the preceding 12 months

11.3 No Guarantee

We do not guarantee:

• Uninterrupted or error-free Services
• Investment returns or performance
• Availability of financing or investment opportunities
• Accuracy of third-party information

12. Indemnification

You agree to indemnify and hold harmless Investay Capital, its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including attorneys' fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your violation of applicable laws

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of the State of [Your State], United States, without regard to conflict of law principles.

13.2 Arbitration

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in [Your City, State].

13.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive the right to participate in class actions or collective proceedings.

14. Termination

14.1 Termination by You

You may stop using our Services at any time. Contact us to close your account.

14.2 Termination by Us

We may suspend or terminate your access to our Services at any time for:

• Violation of these Terms
• Fraudulent, illegal, or harmful activity
• Legal or regulatory requirements
• Business reasons

14.3 Effect of Termination

Upon termination:

• Your right to use our Services ends immediately
• We may delete your account and data
• Provisions that should survive termination will remain in effect

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on this page
• Updating the "Last Updated" date
• Sending email notification for significant changes

Continued use of our Services after changes constitutes acceptance of the updated Terms.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements, constitute the entire agreement between you and Investay Capital.

16.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

16.4 Assignment

You may not assign or transfer these Terms without our consent. We may assign these Terms without restriction.

17. Contact Information

For questions about these Terms, contact us:

• Email: legal@investaycapital.com
• General Inquiries: info@investaycapital.com
• Address: Investay Capital, [Your Business Address]

By using our Services, you also agree to our Privacy Policy and Securities Disclaimer.