WEBSITE TERMS OF USE, LEGAL DISCLOSURES AND PRE-CONTRACT COMMUNICATION TERMS

Version: 1.0
Effective date: 22 03 2026
Last updated: 02 05 2026

1. Website operator and legal identitynfo@ajvestor.com

“AJVESTOR” is a commercial name and brand.

References on the Website to “AJVESTOR”, “AJVESTOR Group”, “we”, “us” or “our” mean AJVESTOR AB unless another legal entity is expressly identified by its complete legal name and registration number.

The expression “AJVESTOR Group” is a brand or collective description and is not, by itself, a separate legal person or contracting party.

Only the legal entity expressly identified in a duly executed agreement may become a party to that agreement.
This website, including all associated pages, forms, materials and communications available through the domain ajvestor.com (the “Website”), is operated by:

AJVESTOR AB
Swedish company registration number: 559574-4219
Registered office: Kungsgatan 8, 111 43 Stockholm, Sweden
Email: info@ajvestor.com i

2. Scope of these Terms

These Terms govern:

access to and use of the Website;
use of information, materials and content published on the Website;
contact forms, newsletter registrations and other submissions;
preliminary communications with AJVESTOR;
meetings, telephone calls, emails and electronic messages;
requests for information or proposals;
introductions to advisers, banks, lenders, investors, consultants, brokers and other third parties;
preliminary commercial, financial, legal or structural discussions;
the procedure required before AJVESTOR enters into an engagement, mandate or other binding agreement; and
other interactions where these Terms are expressly referenced or incorporated.

The provisions concerning use of the Website apply to Website visitors.

The provisions concerning preliminary communications, introductions and engagement procedures express AJVESTOR’s required contracting procedure. They become contractually binding on another party only where they are expressly accepted, incorporated into a communication or agreement, or otherwise agreed between AJVESTOR and that party.

3. Acceptance of Website-use provisions

By accessing or using the Website, you acknowledge that you have read these Terms and agree to comply with the provisions that govern Website access and use.

If you do not accept those provisions, you should discontinue use of the Website.

Accessing the Website does not, by itself:

appoint AJVESTOR as an adviser;
create an investment relationship;
create an engagement or mandate;
create a confidential relationship;
create a fiduciary duty;
create an agency relationship;
create a partnership or joint venture;
constitute acceptance of an investment;
or create any obligation for AJVESTOR to provide a service.

4. Nature of the Website

The Website is provided primarily for general corporate, informational and relationship-building purposes.

The Website may describe:

AJVESTOR’s business interests;
AJVESTOR’s own investment activities;
real estate acquisition, ownership, development and management;
private-company and venture investment interests;
strategic consulting capabilities;
potential partnerships;
market observations;
general investment themes;
and possible future opportunities.

The Website is not an online trading platform, bank, crowdfunding platform, investment fund, securities exchange, regulated marketplace, payment service or facility for concluding an investment transaction.

No transaction may be completed merely by viewing the Website, submitting a contact form, subscribing to updates or exchanging preliminary communications.

5. No regulated service through the Website

The Website itself does not provide regulated financial services.

Unless expressly stated in separate definitive documentation issued by an appropriately authorised legal entity, the Website does not provide or offer:

regulated investment advice;
discretionary portfolio management of financial instruments;
execution or transmission of securities orders;
brokerage services;
underwriting or placement of financial instruments;
deposit-taking;
banking services;
payment services;
electronic-money services;
fund management;
alternative investment fund management;
public crowdfunding services;
regulated consumer-credit intermediation;
insurance distribution;
legal representation;
tax advice;
or accounting or audit services.

Any activity requiring regulatory authorisation will only be carried out, where applicable, by an entity possessing the required authorisation or through an appropriately authorised third-party provider, and only under separate definitive agreements.

References to “portfolio”, “investment strategy”, “capital”, “investments”, “financial structures”, “opportunities” or similar expressions should not be interpreted as an offer of a regulated service unless the relevant authorised provider, regulatory status, service, client category and contractual terms are expressly identified.

AJVESTOR does not receive or hold client money, customer deposits or financial instruments through the Website.

6. No financial, investment, legal, tax or professional advice

Website content is general information only.

Nothing on the Website constitutes or should be interpreted as:

financial advice;
personalised investment advice;
a personal recommendation;
legal advice;
tax advice;
accounting advice;
valuation advice;
credit advice;
insurance advice;
technical advice;
or another regulated or professional opinion.

The information has not been prepared by reference to any particular person’s:

investment objectives;
financial position;
experience;
knowledge;
risk tolerance;
tax position;
legal circumstances;
or individual needs.

Users must obtain independent professional advice appropriate to their circumstances before making any legal, financial, investment, tax, property or commercial decision.

7. No offer, solicitation or public offering

Nothing on the Website constitutes:

an offer to sell securities or financial instruments;
an invitation to subscribe for or purchase securities;
a solicitation of an offer;
an investment recommendation;
a public offering;
a prospectus;
an information memorandum;
an offer of fund units;
a crowdfunding offer;
a deposit invitation;
a lending commitment;
or an agreement to provide financing.

An expression of interest, investor registration, newsletter subscription or request for information does not constitute an application, subscription, commitment or investment.

Any potential investment opportunity will be governed exclusively by separate definitive documentation, applicable legal restrictions, investor eligibility requirements, due diligence, know-your-customer procedures and internal approvals.

No person should make an investment decision based solely on information published on the Website.

8. Investment and commercial risk

Investments, acquisitions, developments, private companies, venture investments, real estate projects, debt instruments and financing structures involve risk.

Risks may include:

loss of some or all invested capital;
illiquidity;
lack of a secondary market;
valuation uncertainty;
leverage risk;
interest-rate risk;
refinancing risk;
tenant and vacancy risk;
development and construction risk;
counterparty default;
legal and regulatory changes;
tax changes;
currency fluctuations;
economic downturns;
market volatility;
operational failures;
and delays or failure to complete a transaction.

Past performance is not a reliable indicator of future performance.

No return, yield, valuation, income, appreciation, exit, refinancing or completion is guaranteed.

9. Forward-looking information

The Website may contain forward-looking statements, projections, targets, estimates, plans, expectations, market scenarios or statements concerning future opportunities.

Such information is based on assumptions and information available at the relevant time.

Actual events or results may differ materially because of risks, uncertainties and circumstances beyond AJVESTOR’s control.

AJVESTOR does not guarantee that any forecast, target, projection, business plan, return expectation, development plan, financing plan or transaction will be achieved.

AJVESTOR is not obliged to publicly update forward-looking statements unless required by applicable law or an express contractual obligation.

10. Market information, valuations and third-party data

Market data, property information, financial data, industry information, statistics, valuations and other information may be obtained from sources considered useful or reliable.

AJVESTOR does not guarantee that such information is:

complete;
current;
accurate;
independently verified;
or suitable for any particular purpose.

Indicative valuations are not formal valuations unless expressly issued as such by a qualified and appointed valuation professional.

Users must independently verify material information before relying on it.

11. No assurance concerning opportunities

AJVESTOR does not undertake that:

any investment opportunity will become available;
any person will be eligible to participate;
funding will be obtained;
an acquisition will complete;
a development will proceed;
a property will achieve a particular occupancy;
a company will achieve particular results;
an investor will be accepted;
or a transaction will occur on any stated terms.

AJVESTOR may alter, postpone or discontinue an opportunity or process at any time, subject to any binding agreement that has already been entered into.

12. Preliminary communications are without commitment

Unless a separate duly executed agreement expressly provides otherwise, all preliminary communications with AJVESTOR are:

exploratory;
non-binding;
without commitment;
without obligation;
subject to contract;
subject to due diligence;
subject to internal approval;
subject to board approval where applicable;
subject to financing;
and subject to execution of definitive documents.

This applies to communications by:

email;
telephone;
video meeting;
physical meeting;
messaging application;
social-media message;
presentation;
letter;
contact form;
data room;
proposal;
quotation;
memorandum;
term sheet;
letter of intent;
heads of terms;
draft agreement;
or any other communication method.

No preliminary communication shall by itself constitute:

an engagement;
an advisory mandate;
an instruction to commence work;
an order for services;
approval of fees;
approval of costs;
acceptance of another party’s terms;
a financing commitment;
an investment commitment;
a partnership;
a joint venture;
a fiduciary relationship;
a power of attorney;
or another binding agreement.

13. Expressions in English and other languages

References in these Terms to a word, phrase, instruction or expression include any equivalent or substantially similar:

word;
phrase;
translation;
abbreviation;
symbol;
emoji;
electronic reaction;
statement;
action;
or other communication,

whether made in English, Swedish, Arabic, Dutch or any other language.

Accordingly, expressions such as:

“yes”;
“okay”;
“agreed”;
“approved”;
“sounds good”;
“please introduce us”;
“please proceed”;
“go ahead”;
“let us continue”;
“thank you”;
“noted”;
“ja”;
“okej”;
“godkänt”;
“kör”;
“introducera oss gärna”;
“نعم”;
“موافق”;
or an expression with substantially the same meaning,

do not by themselves constitute an engagement, order for chargeable work, fee approval, authority or binding agreement.

The use of a different language does not avoid or change AJVESTOR’s formal contracting requirements.

14. Introductions to advisers, banks, investors and other parties

If AJVESTOR agrees that a person may introduce AJVESTOR to a bank, lender, adviser, investor, consultant, broker, property owner or another party, that agreement is limited solely to permission to make the introduction.

Permission to make an introduction does not mean that:

the introducing party has been engaged;
the introduced party has been engaged;
AJVESTOR has ordered services;
AJVESTOR has approved fees or expenses;
an introduction fee is payable;
a brokerage fee is payable;
a commission is payable;
a success fee is payable;
exclusivity has been granted;
either party may represent AJVESTOR;
AJVESTOR must continue the discussion;
or AJVESTOR must complete a transaction.

No introduction fee, referral fee, brokerage fee, finder’s fee, advisory fee, success fee, commission, retainer or similar compensation is payable unless:

it is expressly described in a separate written agreement;
the exact triggering event and calculation method are stated;
any protected parties and tail period are identified;
the maximum amount or percentage is stated;
tax and expenses are addressed;
the agreement is entered into before the compensable service is performed; and
the agreement is duly signed by authorised representatives of both parties.

15. Preliminary advice and assistance do not establish an engagement

A lawyer, bank, financial adviser, broker, consultant or other person does not become formally engaged merely by:

participating in an initial meeting;
commenting on a proposed transaction;
discussing a possible legal structure;
suggesting a company structure;
suggesting a financing structure;
recommending possible lenders or investors;
identifying a potential adviser;
reviewing limited background information;
conducting a conflict check;
conducting preliminary KYC;
expressing an initial view;
providing a preliminary proposal;
or making an introduction.

Unless a separate signed agreement provides otherwise, such activity shall be treated as preliminary, non-binding and performed without an entitlement to charge AJVESTOR.

16. No chargeable work without formal engagement

No person or organisation may, on AJVESTOR’s behalf:

commence chargeable work;
incur expenses;
instruct a subcontractor;
instruct local counsel;
commission a valuation;
commission a report;
establish a paid data room;
order a search;
incur travel costs;
engage an expert;
or otherwise create a cost,

without a formal engagement satisfying Section 17.

A general request to:

provide information;
make an introduction;
send a proposal;
describe possible next steps;
provide an estimated budget;
attend an introductory call;
or explain a possible structure,

is not an instruction to commence chargeable work.

Work undertaken without formal approval is undertaken at the provider’s own risk and cost unless AJVESTOR subsequently ratifies it through a separate duly signed document.

Receipt, review, discussion or storage of unsolicited work does not itself constitute approval or acceptance of payment liability.

17. Requirements for a binding engagement

AJVESTOR intends to become contractually bound by an engagement, mandate, service order or payment obligation only when all the following requirements have been satisfied:

A separate written agreement has been prepared.
The document is expressly identified as a binding engagement letter, mandate agreement, advisory agreement, services agreement, financing agreement or equivalent definitive contract.
Each party is identified by complete legal name, registration number and registered address.
The relevant AJVESTOR legal entity is expressly identified.
The precise scope of the engagement is stated.
Material exclusions and services not included are stated.
Deliverables, responsibilities and deadlines are stated.
The appointed team and responsible individuals are identified where relevant.
All hourly rates, fixed fees, retainers and other charges are stated.
A cost estimate or fee cap is stated where applicable.
Success fees, commissions, introduction fees, break fees, arrangement fees and other transaction-related compensation are expressly addressed.
Expenses and third-party costs are expressly addressed.
Applicable tax and VAT treatment is stated.
Payment terms are stated.
The commencement date and duration are stated.
Termination rights and consequences are stated.
Liability, confidentiality, data processing and dispute-resolution provisions are stated.
All applicable general terms are identified by exact title, version and date and attached to the agreement.
All required internal and corporate approvals have been obtained.
The agreement is signed by duly authorised representatives of both parties using an approved signing method.
AJVESTOR receives the complete executed agreement, including all appendices and signing certificates.

If any of these requirements has not been satisfied, AJVESTOR’s express position is that no binding engagement, mandate or payment obligation has been approved.

18. Approved signing methods

AJVESTOR’s approved methods for executing a binding engagement are:

handwritten signature on a complete contractual document; or
electronic signature through a signing service expressly approved by AJVESTOR using BankID, qualified electronic identification or another secure identity-verification procedure, together with a time stamp and downloadable audit trail or signing certificate.

The following do not constitute AJVESTOR’s agreed method for executing an engagement:

a typed name in an ordinary email;
an automatic email signature;
a scanned or inserted image of a signature in an email;
an informal email response;
a verbal statement;
a text message;
an emoji;
an electronic reaction;
clicking “like”;
silence;
failure to object immediately;
attendance at a meeting;
continued discussion;
or the exchange of draft documents.

AJVESTOR’s use of electronic communications does not mean that AJVESTOR agrees that an engagement may be entered into through ordinary email correspondence.

This Section describes AJVESTOR’s required contracting procedure. It does not exclude the application of mandatory law.

19. Authority to bind AJVESTOR

Only a person legally authorised to represent the relevant AJVESTOR entity may:

enter into a binding agreement;
appoint an adviser;
order chargeable work;
approve fees or costs;
approve a success fee or commission;
grant exclusivity;
grant a power of attorney;
provide a guarantee;
provide security;
incur debt;
or amend an existing agreement.

A person is not authorised merely because that person:

communicates with the counterparty;
uses an AJVESTOR email address;
participates in meetings;
shares information;
coordinates a process;
negotiates preliminary matters;
is described as a contact person;
or has a managerial or project role.

The counterparty must verify the signatory’s authority using an up-to-date company registration certificate, specific written power of attorney or board resolution, where appropriate.

20. No personal liability

Communications by a shareholder, director, officer, employee, consultant or representative of AJVESTOR are made for the relevant identified company.

No individual assumes:

personal payment liability;
personal guarantee liability;
surety liability;
personal investment liability;
or another personal obligation,

merely by participating in communications or negotiations.

A personal obligation requires a separate written document that:

expressly identifies the individual as a party or guarantor;
describes the obligation clearly;
states any amount, duration and limitations; and
is separately signed by that individual in their personal capacity using an approved signing method.

21. No power of attorney or representation right

No person or organisation may represent AJVESTOR, bind AJVESTOR, make promises in AJVESTOR’s name or communicate as an authorised agent without a separate written power of attorney.

The power of attorney must identify:

the authorised person;
the relevant AJVESTOR entity;
the specific matter;
the permitted actions;
any amount or authority limits;
and the period of validity.

A discussion, introduction, engagement proposal or exchange of information does not create a power of attorney.

22. No acceptance of counterparty terms by silence

AJVESTOR does not intend to accept another party’s general terms merely because:

they appear on that party’s website;
a link appears in an email signature;
they are attached to an email;
they are referred to in a proposal;
they are included in an invoice;
AJVESTOR received them;
AJVESTOR did not immediately object;
or communications continued.

Another party’s general terms will apply only where they:

are provided before execution;
are identified by exact title, version and date;
are expressly incorporated into the definitive agreement;
have been reviewed and accepted by AJVESTOR; and
form part of a duly signed agreement.

A counterparty’s acknowledgement, order confirmation or performance containing additional or different terms does not constitute AJVESTOR’s acceptance of those terms.

Specifically negotiated and duly signed provisions prevail over general standard terms in the event of inconsistency.

23. Fees, fee caps and expenses

AJVESTOR is responsible only for fees and expenses expressly covered by a duly executed agreement or change order.

Express prior approval is required for:

hourly fees;
fixed fees;
retainers;
advance payments;
success fees;
introduction fees;
brokerage fees;
commissions;
arrangement fees;
commitment fees;
break fees;
travel and accommodation;
databases;
external experts;
local advisers;
valuers;
technical consultants;
translations;
data rooms;
authority charges;
court fees;
and other third-party costs.

A budget or fee cap may not be exceeded without a signed change order.

A service provider must stop work before exceeding an agreed cap and provide:

current accrued fees;
completed work;
remaining work;
explanation for the increase;
revised budget;
and revised timetable.

24. No oral modification or informal scope increase

No oral discussion, meeting note or informal email may increase or amend:

the scope;
fees;
fee cap;
timetable;
deliverables;
liability;
authority;
appointed team;
use of subcontractors;
or other contractual terms.

An amendment requires a separate written change order signed under the same procedure as the original agreement.

25. Term sheets and preliminary transaction documents

Unless expressly stated otherwise, all:

term sheets;
letters of intent;
heads of terms;
financing indications;
process letters;
proposals;
quotations;
memoranda;
draft agreements;
and similar preliminary documents

are non-binding and subject to contract.

A provision may bind AJVESTOR only if:

it is prominently identified as BINDING;
its legal and financial consequences are clearly explained;
the relevant AJVESTOR entity is identified; and
it is specifically approved through an authorised signature.

This requirement applies particularly to:

exclusivity;
no-shop restrictions;
confidentiality;
expense reimbursement;
deposits;
break fees;
success fees;
commissions;
introduction fees;
non-circumvention;
indemnities;
guarantees;
security;
governing law;
and dispute resolution.

26. Confidentiality and unsolicited information

Information published publicly on the Website is not confidential.

Unless an applicable professional duty or separate written confidentiality agreement provides otherwise, a message, proposal or document sent to AJVESTOR does not automatically create a confidential, privileged or fiduciary relationship.

Users should not send:

highly confidential information;
trade secrets;
personal identification documents;
banking credentials;
passwords;
sensitive personal data;
inside information;
or legally privileged material,

through ordinary Website forms or unsecured email.

Where confidentiality is required, the parties should enter into a separate confidentiality or non-disclosure agreement before sensitive information is disclosed.

AJVESTOR may retain incoming communications where reasonably necessary for:

responding to enquiries;
compliance;
fraud prevention;
recordkeeping;
legal claims;
security;
and legitimate business administration,

subject to applicable data-protection law.

27. Contact forms and submissions

Submitting a contact form, project proposal, business plan, pitch deck, property information, résumé or other material does not:

require AJVESTOR to review it;
require AJVESTOR to respond;
create confidentiality;
create an engagement;
create an investment obligation;
create a duty to proceed;
or create an entitlement to compensation.

The sender confirms that they have the right to provide the submitted information and that doing so does not breach:

confidentiality;
intellectual-property rights;
data-protection law;
employment duties;
fiduciary duties;
or contractual restrictions.

AJVESTOR may delete unsolicited materials without review, subject to applicable legal-retention requirements.

28. Due diligence, KYC, sanctions and compliance

AJVESTOR may conduct or require:

identity verification;
corporate verification;
beneficial-owner verification;
source-of-funds information;
source-of-wealth information;
sanctions screening;
politically exposed person screening;
anti-money-laundering checks;
conflict checks;
credit checks where legally permitted;
and other compliance procedures.

Completion of such procedures does not mean that AJVESTOR has accepted a person as a client, investor, partner or counterparty.

AJVESTOR may decline, suspend or terminate discussions where required or considered appropriate for legal, regulatory, risk-management, reputational or compliance reasons.

No person may use the Website in violation of sanctions, export restrictions, anti-money-laundering law, anti-bribery law or other applicable law.

29. Geographic restrictions

The Website is operated from Sweden.

The Website is not directed at any person or jurisdiction where access, distribution or use would violate applicable law or require registration, authorisation or approval not possessed by the relevant entity.

Users accessing the Website from another jurisdiction are responsible for complying with their local laws.

No Website content should be distributed into a jurisdiction where doing so would constitute an unlawful offer, solicitation or financial promotion.

30. Permitted use of the Website

Users may access the Website for lawful, personal, professional or internal business-information purposes.

Users must not:

gain unauthorised access to the Website or systems;
interfere with Website operation;
introduce malware or malicious code;
circumvent security controls;
impersonate AJVESTOR or another person;
use the Website for fraud or unlawful conduct;
send spam or unsolicited mass communications;
collect personal data without lawful authority;
misrepresent AJVESTOR’s content;
use AJVESTOR’s identity for fundraising or solicitation;
or falsely claim an affiliation, mandate, endorsement or partnership.

AJVESTOR may suspend or restrict access where misuse is suspected.

31. Automated access, scraping and artificial-intelligence training

Unless expressly authorised in writing, users may not:

scrape the Website;
systematically extract Website data;
create a competing database;
reproduce substantial parts of the Website;
use automated bots beyond ordinary search-engine indexing;
use Website content to train, fine-tune, validate or commercially operate an artificial-intelligence model;
create synthetic or derivative content that falsely appears to originate from AJVESTOR;
or remove copyright, trademark or source notices.

Normal indexing by reputable public search engines is permitted, subject to applicable technical restrictions.

32. Intellectual-property rights

The Website and its content, including text, design, graphics, logos, trade names, photographs, videos, documents, databases and software, are owned by AJVESTOR or used under licence unless otherwise stated.

No ownership right is transferred to a Website user.

Users may view and print reasonable extracts for lawful internal reference, provided that they:

do not modify the content;
retain ownership notices;
do not use it commercially;
do not misrepresent its source;
and do not suggest AJVESTOR’s endorsement.

Any other copying, publication, distribution, adaptation, commercial use or reproduction requires prior written permission.

33. Trademarks and brand use

“AJVESTOR”, associated logos and other identifying marks are trademarks, trade names or brand assets of their respective owner.

No licence is granted to use them.

No person may use AJVESTOR’s name, logo, domain, identity, materials or representatives in:

press releases;
investor materials;
fundraising documents;
lender presentations;
advertisements;
social-media announcements;
transaction announcements;
or client lists,

without AJVESTOR’s prior written approval.

34. Third-party websites and providers

The Website may contain links to third-party websites, platforms, reports or services.

Such links are provided for convenience and do not constitute:

endorsement;
verification;
recommendation;
partnership;
agency;
or acceptance of responsibility.

AJVESTOR does not control third-party content, security, availability, privacy practices or terms.

Users access third-party services at their own discretion and should review the relevant third-party terms and policies.

35. Website availability and cybersecurity

AJVESTOR seeks to maintain reasonable Website availability and security but does not guarantee that the Website will be:

uninterrupted;
error-free;
secure;
free from harmful components;
compatible with all devices;
or continuously available.

AJVESTOR may suspend, modify, restrict or discontinue any part of the Website without prior notice.

Users are responsible for maintaining appropriate:

devices;
software;
backups;
antivirus protection;
access controls;
and cybersecurity precautions.

36. No warranties

To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

AJVESTOR excludes all express or implied warranties concerning:

accuracy;
completeness;
currency;
merchantability;
fitness for a particular purpose;
non-infringement;
availability;
security;
and results obtained from use.

Nothing in this Section excludes a warranty or responsibility that cannot lawfully be excluded.

37. Limitation of Website liability

To the fullest extent permitted by applicable law, AJVESTOR and its affiliates, directors, officers, employees and representatives shall not be liable for loss arising from:

use of or inability to use the Website;
reliance on Website content;
inaccurate or outdated information;
investment or commercial decisions;
third-party websites;
interruption or cyber incidents;
loss of data;
loss of profit;
loss of opportunity;
loss of goodwill;
indirect loss;
consequential loss;
or special loss.

Nothing in these Terms excludes or limits liability for:

fraud;
wilful misconduct;
liability that cannot be excluded under mandatory law;
or any other liability where exclusion would be unlawful.

38. Business-user indemnity

Where the user acts in the course of business, the user shall indemnify AJVESTOR against reasonable losses, claims and costs resulting from:

unlawful use of the Website;
infringement of third-party rights;
unauthorised use of AJVESTOR’s identity;
false claims of authority or affiliation;
malicious interference with the Website;
or material breach of these Terms.

This provision does not apply to the extent prohibited by mandatory law.

39. Privacy and personal data

AJVESTOR processes personal data in accordance with applicable data-protection legislation and the separate Privacy Notice published on the Website.

The Privacy Notice should explain, among other things:

the identity of the data controller;
categories of personal data;
processing purposes;
lawful bases;
sources;
recipients;
international transfers;
retention periods;
security;
data-subject rights;
complaint rights;
and contact details.

These Terms do not constitute blanket consent to personal-data processing.

Where consent is legally required, it will be requested separately and may be withdrawn in accordance with applicable law.

40. Cookies and similar technologies

The Website may use cookies and comparable technologies.

Necessary cookies may be used where required for Website operation and security.

Analytics, advertising, tracking and other non-essential technologies will be handled in accordance with applicable law and the separate Cookie Policy and cookie-consent mechanism.

Users should be able to review and change their cookie choices through the Website’s cookie settings.

Accepting these Terms does not constitute consent to non-essential cookies.

41. Newsletters and direct marketing

Where a user subscribes to updates, AJVESTOR may send communications in accordance with the applicable subscription notice and data-protection law.

Recipients may unsubscribe using the link included in the communication or by contacting AJVESTOR.

Subscription to communications does not:

create a client relationship;
create an investor relationship;
grant access to an investment opportunity;
establish suitability;
or constitute an investment offer.

42. Careers and recruitment

Job applications and recruitment enquiries are governed by the relevant recruitment notice and Privacy Notice.

Submitting an application does not guarantee:

an interview;
employment;
compensation;
confidentiality beyond applicable law;
or retention of the application for a particular period.

Applicants must ensure that the information they submit is accurate and that they are entitled to provide references and third-party personal data.

43. No partnership, joint venture, agency or fiduciary duty

Use of the Website, communication with AJVESTOR or discussion of a possible opportunity does not create:

a partnership;
joint venture;
agency;
employment relationship;
fiduciary relationship;
trustee relationship;
advisory relationship;
or exclusivity obligation.

Such a relationship arises only through a separate duly executed agreement that expressly establishes it.

44. Conflicts and freedom to pursue other opportunities

Unless a signed agreement provides otherwise, AJVESTOR may:

engage with other advisers;
approach other lenders;
approach other investors;
evaluate competing opportunities;
invest in similar sectors;
negotiate with other counterparties;
and discontinue a process.

No communication grants exclusivity, non-circumvention or a protected relationship unless expressly agreed in a duly signed agreement.

45. Changes to the Website and these Terms

AJVESTOR may update the Website and these Terms from time to time.

The current version and effective date will be displayed on this page.

Changes apply prospectively to Website use after publication.

A change published on the Website does not automatically amend an existing separately signed agreement.

Material changes to an existing contractual relationship require the procedure specified in that agreement.

46. Suspension and termination of access

AJVESTOR may restrict, suspend or terminate access to the Website where reasonably necessary because of:

breach of these Terms;
suspected fraud;
security concerns;
unlawful conduct;
technical maintenance;
sanctions or compliance concerns;
or protection of AJVESTOR or third parties.

Termination of Website access does not affect rights or liabilities that arose before termination.

47. Severability

If a provision of these Terms is held invalid, unlawful or unenforceable, that provision shall be interpreted or limited to the minimum extent necessary.

The remaining provisions shall remain in effect.

48. No waiver

A failure or delay by AJVESTOR to enforce a provision does not constitute a waiver.

A waiver is effective only if expressly made in writing by an authorised representative.

49. Assignment

A Website user may not assign rights or obligations under these Terms without AJVESTOR’s prior written consent.

AJVESTOR may transfer the operation of the Website or related rights to an affiliate or successor as part of a reorganisation, merger, financing, asset transfer or business transfer, subject to applicable law.

50. Entire understanding concerning Website use

These Terms, together with the Privacy Notice, Cookie Policy and any expressly referenced Website policy, constitute the applicable terms concerning general use of the Website.

They do not replace a separate definitive agreement governing a specific transaction, service or engagement.

51. Mandatory rights

Nothing in these Terms excludes or restricts rights that cannot lawfully be excluded.

Where a user is legally considered a consumer, mandatory consumer-protection provisions prevail over inconsistent provisions in these Terms.

The Website is not currently intended as a facility for concluding consumer financial-services contracts online.

52. Governing law and jurisdiction

These Terms and non-contractual obligations connected with Website use are governed by the substantive laws of Sweden, without prejudice to mandatory rules applicable to consumers or users in another jurisdiction.

For disputes involving a business user, the courts of Sweden shall have exclusive jurisdiction, with Malmö District Court as the court of first instance.

For consumers, jurisdiction shall be determined in accordance with applicable mandatory law.

Pre-contract communication provisions will govern a particular bilateral relationship only to the extent they have been expressly incorporated or accepted by the relevant parties.

53. Language

These Terms are prepared in English.

The English version is the governing version.

Any translation into Swedish, Arabic, Dutch or another language is provided solely for convenience and general understanding.

If there is an inconsistency, ambiguity or difference between the English version and a translation, the English version prevails to the extent permitted by applicable law.

A reference to an English expression includes its direct translation, functional equivalent and any substantially similar expression in any language.

Changing the language of a communication does not change its non-binding character or circumvent the contracting requirements stated in these Terms.

54. Notice concerning email communications

Where these Terms are linked from an AJVESTOR email, email signature, meeting invitation, proposal or direct communication, the link provides notice of AJVESTOR’s required contracting procedure.

The link does not authorise the recipient to commence work or incur costs.

The recipient should request and obtain a separately executed agreement before commencing chargeable work.

For important engagements, AJVESTOR may require the recipient to provide the following confirmation:

“We confirm that we have reviewed AJVESTOR’s Website Terms of Use, Legal Disclosures and Pre-Contract Communication Terms. We understand that no engagement, mandate, fee obligation, commission, introduction fee, success fee or other binding commitment has arisen. We will not commence chargeable work or incur costs for AJVESTOR unless and until a separate agreement has been signed by authorised representatives of both parties using an approved signing method.”

Receipt of such confirmation does not itself appoint or engage the sender.

55. Contact information

Questions concerning these Terms, contractual approvals, fees, Website use or authorised signatures should be directed to:

AJVESTOR AB
Swedish company registration number: 559574-4219
Registered office: Kungsgatan 8, 111 43 Stockholm, Sweden
Email: info@ajvestor.com i

No other contact person or email address is authorised to provide binding contractual approval unless that authority is established through an up-to-date company registration certificate, specific written power of attorney or express board resolution.