Terms of Service

1. Who we are and what these terms cover

These terms govern your use of the POOOL platform, operated by POOOL GmbH, Berlin (see the Imprint for full company details). POOOL lets you browse fractional investments in real estate and commodities without an account, and invest from $100 once you sign up.

By creating an account or placing an order you accept these terms.

2. Eligibility and your account

You must be at least 18 years old, act on your own behalf and complete our identity verification (see the AML / KYC Policy) before you can invest. You are responsible for keeping your login credentials and passkeys confidential and for all activity on your account.

3. Nature of the service

POOOL operates a marketplace that brokers participations in individual assets listed by verified developers. POOOL does not provide investment advice, tax advice or portfolio management. Information on the platform — including projected yields, funding levels and calculator results — is illustrative and not a promise of returns. Investing involves risk; read the Risk Disclosure before every investment.

4. Orders, payments and fees

An order becomes binding when you confirm it in the investment flow and we accept it. Funding targets, minimum holdings and settlement timelines are stated on each asset page. Our fees are shown transparently before you confirm an order; we never charge hidden fees. (Platzhalter — fee schedule reference.)

5. Resale market

You may offer your shares to other users on the resale market. POOOL does not guarantee that a buyer will be found, nor any particular resale price. Settlement of resale transactions follows the process described on the platform at the time of the transaction.

6. Prohibited use

You may not use the platform for money laundering or other unlawful purposes, interfere with its operation, scrape or reverse-engineer it, create accounts for third parties, or provide false information during verification. We may suspend or close accounts that violate these terms or applicable law.

7. Liability

We are liable without limitation for intent, gross negligence and injury to life, body or health. For slight negligence we are liable only for breaches of essential contractual obligations, limited to the foreseeable damage typical for this type of contract. Losses resulting from the performance of an investment itself are borne by you (see the Risk Disclosure).

8. Changes to these terms

We may amend these terms with effect for the future. We will notify you of material changes by email at least six weeks before they take effect; if you do not object within that period, the amended terms apply.

9. Governing law and venue

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, mandatory consumer protection rules of your country of residence remain unaffected.