Terms of Service

1. Acceptance

By creating a PENOLD membership or otherwise using this platform, you agree to these Terms of Service and to the Risk Disclosure and Privacy Policy referenced here. If you do not agree, do not use the platform.

2. Eligibility

You must be of legal age in your jurisdiction and legally permitted to participate in structured real estate partnerships and cryptocurrency payments where you reside. PENOLD may request identity verification (KYC) before enabling withdrawals, and may restrict access from jurisdictions where the platform is not offered.

3. Account registration

You are responsible for the accuracy of information provided at signup (full name, email, phone, WhatsApp number) and for maintaining the confidentiality of your credentials. You are responsible for all activity under your account.

4. Pods, lock periods, and returns

Each Pod is denominated at $10 USD and the minimum partnership is $220. Pod purchases are subject to the plan terms shown at the time of purchase, including the disclosed lock period and incubation window. Return figures shown on the platform (e.g. under the Core and Annual plans) are targets, not guarantees — see the Risk Disclosure.

5. Deposits and withdrawals

Deposits may be made by bank/mobile-money reference (subject to manual review) or by cryptocurrency via our payment processor. Withdrawals require an approved identity verification (KYC) and are subject to admin review before funds are released.

6. Partnership / referral programme

Members may share a unique referral link. Commissions (currently 5%/3%/2% across three levels) and leadership tier rewards are calculated according to the rules in effect at the time of the qualifying transaction and may be changed prospectively by PENOLD with notice.

7. Prohibited conduct

• Providing false identity or KYC information.
• Using the platform for money laundering or to fund illegal activity.
• Attempting to manipulate the referral or commission system (e.g. self-referral rings, fake accounts).
• Interfering with the security or normal operation of the platform.

8. Fees

PENOLD does not currently disclose platform fees beyond what is stated in each plan. PENOLD reserves the right to introduce or modify fees with reasonable notice to members.

9. Limitation of liability

To the maximum extent permitted by law, PENOLD is not liable for indirect, incidental, or consequential damages arising from use of the platform, delays in project delivery, or loss of capital consistent with the disclosed risks.

10. Termination

PENOLD may suspend or terminate an account for violation of these terms, suspected fraud, or as required by law. Existing Pod positions remain subject to their disclosed lock terms.

11. Governing law

Governing law and dispute-resolution jurisdiction are to be finalized with legal counsel and will be updated here before this document is treated as final.

12. Changes

These terms may be updated from time to time. Continued use of the platform after a change constitutes acceptance of the updated terms.