This Risk Disclaimer sets out the principal risks associated with the property-backed investment opportunities presented by CastleStash Capital Limited (“CastleStash”, “we”, “us” or “our”) on www.castlestash.com (the “Site”). Please read it carefully. If you are in any doubt, you should seek independent financial, legal and tax advice before acting on anything you read on this Site.

1. No Offer or Solicitation

Nothing contained on this Site constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation to acquire any security, unit, or interest in any property. Property listings are published for information and preview purposes only and are subject to regulatory approval. CastleStash is not collecting funds from the public until its registration with the Securities and Exchange Commission (SEC) Nigeria has been finalised.

2. Projected Yields Are Estimates

Any yield, return, rental income or performance figure shown on this Site is a projection, not a promise, guarantee or fixed obligation.

Projected yields are estimated based on market conditions and property performance. Past performance is not a guarantee of future returns.

3. Capital at Risk

The value of property can fall as well as rise. You may receive back less than you invested, and in adverse circumstances you may lose the whole of your capital. Neither CastleStash nor any of its partners guarantees the repayment of capital or the payment of any income.

4. Principal Risk Factors

• Market risk: property values and rental rates are affected by economic conditions, interest rates, inflation, currency movements and local demand.
• Liquidity risk: property-backed units are not readily realisable. There may be no secondary market, and you may be unable to exit your position when you wish to.
• Tenancy and income risk: rental income depends on securing and retaining tenants. Vacancy, arrears or default will reduce or suspend distributions.
• Development and completion risk: ongoing and proposed projects may be delayed, cost more than budgeted, or fail to complete.
• Regulatory risk: changes in law, regulation, taxation or the outcome of our pending SEC registration may affect the structure, availability or economics of any opportunity described on this Site.
• Concentration risk: holdings concentrated in a single property, location or asset class carry greater risk than a diversified portfolio.
• Counterparty risk: we rely on developers, property managers, custodians and financial partners, any of whom may fail to perform.

5. Custody of Investor Assets

Investor funds and property deeds will be held in trust under a custody arrangement with an SEC-regulated Corporate Trustee. This arrangement is designed to segregate investor assets from the operating assets of CastleStash, but it does not remove the investment risks described above.

6. No Investment Advice

CastleStash does not provide investment, legal, tax or accounting advice. No content on this Site takes account of your particular objectives, financial situation or needs. You are solely responsible for your own investment decisions.

7. Forward-Looking Statements

Statements on this Site regarding future events, projected performance, completion dates or planned features are forward-looking and inherently uncertain. Actual outcomes may differ materially. We undertake no obligation to update forward-looking statements except as required by law.

8. Third-Party Information

Property valuations, market data and developer information may be supplied by third parties. While we take reasonable care in selecting our sources, we do not warrant the accuracy or completeness of third-party information.

9. Governing Law

This Risk Disclaimer is governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

10. Contact Us

CastleStash
Email: support@castlestash.com
Address: 5A Esugbayi Street, Ikeja GRA, Lagos, Nigeria
Website: www.castlestash.com