Terms of service – SILVALAND

Last updated: 9 March 2026
Effective date: 9 March 2026

1. Acceptance of Terms

By accessing Silvaland’s website (silvaland.eu) and/or investment platform (silvaland.app), opening an account, or making an investment, you accept these Terms of Service in their entirety. If you do not accept these terms, do not use our services.

2. Service Provider

All services are provided by SIA Silvaland, a limited liability company registered in Latvia under registration number [to be added].

3. Investment Services

3.1 Nature of Service

Silvaland facilitates private investment agreements between investors and SIA Silvaland. You are not purchasing securities, funds, or shares. You are entering a direct capital agreement with Silvaland to finance specific forestry and agricultural assets.

3.2 Not a Crowdfunding Platform

Silvaland is not a crowdfunding service, investment brokerage, investment fund, or financial advisory service. Opportunities are offered to selected partners under private agreements following internal review procedures.

3.3 Personal Investment Agreement

Each investment is governed by a private agreement between you and SIA Silvaland. Terms, conditions, and profit-sharing formulas are specific to each project and may vary.

4. Eligibility & KYC

4.1 Eligibility

To invest, you must:

Be 18 years or older
Have the legal capacity to enter contracts
Not be subject to sanctions or regulatory restrictions
Complete Know Your Customer (KYC) verification

4.2 KYC Requirements

Before investing, Silvaland requires:

Proof of identity (passport, national ID, or driving license)
Proof of address (utility bill or bank statement within 3 months)
Tax identification number or equivalent
Declaration of source of funds
Beneficial ownership information (if applicable)

Silvaland may request additional information to comply with anti-money laundering regulations.

4.3 Verification Timeline

KYC verification typically completes within 1 business day. Silvaland reserves the right to delay verification if additional documents are required.

5. Risk Acknowledgment

5.1 You Acknowledge These Risks

Market risk: Timber and agricultural land prices fluctuate. Returns are not guaranteed.
Operational risk: Projects may experience delays due to weather, equipment failure, buyer delays, or regulatory issues.
Regulatory risk: Changes to Latvian or EU forestry/agricultural policy could affect returns.
Currency risk: If you invest in EUR but your home currency differs, exchange rate fluctuations affect returns.
Liquidity risk: Some investments are longer-term; capital is not immediately accessible.
Company risk: If Silvaland underperforms or fails, returns decline (though capital remains tied to asset value).

5.2 Capital Loss

You may lose your entire investment. Silvaland does not guarantee returns, and past performance does not predict future results.

5.3 No Guarantee

Silvaland provides no warranties regarding investment returns, asset performance, or project completion timelines.

6. Terms & Conditions of Investment

6.1 Investment Agreement

Each investment is documented in a private agreement signed by you and Silvaland. That agreement specifies:

Investment amount and currency
Asset(s) the capital will finance
Investment period (21, 30, 180, or 365 days)
Expected return date and profit-sharing formula
Conditions for early withdrawal
Rights and obligations of both parties
Dispute resolution procedures

6.2 Precedence

In case of conflict between these Terms and a specific investment agreement, the investment agreement controls.

7. Fees & Charges

7.1 Direct Fees

No management fees
No performance fees
No deposit or withdrawal fees (at maturity)
Early withdrawal may incur negotiated costs

7.2 Third-Party Charges

Your bank or payment processor may charge fees for deposits or transfers. Silvaland is not responsible for these charges.

7.3 Tax Liability

You are solely responsible for reporting investment income and paying taxes in your country of residence. Silvaland provides annual statements for your tax records but does not calculate or withhold taxes.

8. Modifications to Terms & Fees

Silvaland may modify these Terms or fees with 30 days’ written notice. Changes apply to new investments; existing investments are not affected unless you agree.

9. Confidentiality & Data

9.1 Your Data

Silvaland collects and processes personal data (name, address, identity documents, financial information) to:

Verify your identity (KYC/AML compliance)
Manage your account
Process deposits and withdrawals
Communicate with you about your investments

9.2 Data Protection

Silvaland complies with GDPR and Latvian data protection law. Your data is:

Encrypted in transit and at rest
Used only for account management and regulatory compliance
Not shared with third parties without your consent (except as required by law)
Retained only as long as necessary

See our Privacy Policy

10. Limitation of Liability

10.1 Silvaland’s Liability

Silvaland is not liable for:

Investment losses or poor returns
Project delays or cancellations
Market price fluctuations
Force majeure events (weather, war, pandemic)
Third-party actions (buyer failure, equipment theft)

10.2 Your Sole Remedy

Your sole remedy for breach of contract is recovery of capital according to the terms of your investment agreement.

11. Dispute Resolution

11.1 Governing Law

These Terms and all investment agreements are governed by Latvian law.

11.2 Disputes

Any dispute arising from your investment or these Terms shall be:

Resolved through good-faith negotiation
If unresolved, escalated to Latvian courts or arbitration as specified in your investment agreement

11.3 Arbitration Option

You and Silvaland may agree to resolve disputes through arbitration rather than court. Details will be included in your investment agreement.

12. Termination & Account Closure

12.1 Account Closure

You may close your account anytime by:

Withdrawing all pending investments
Contacting support at support@silvaland.eu
Confirming account closure

12.2 Silvaland’s Right to Suspend

Silvaland may suspend or terminate your account if you:

Violate these Terms
Provide false information
Engage in fraud or suspicious activity
Breach AML/CFT regulations
Are subject to sanctions

13. Use of Platform

13.1 Permitted Use

You agree to use the Silvaland platform only for:

Making lawful investments
Managing your account
Communicating with Silvaland

13.2 Prohibited Use

You agree not to:

Use automated tools or bots to access the platform
Attempt to hack or compromise security
Share your login credentials
Use the platform for illegal purposes
Engage in money laundering or sanctions evasion

14. Third-Party Services

Silvaland uses third-party services (payment processors, valuation firms, legal advisors) to operate. Silvaland is not responsible for third-party failures or breaches unless Silvaland is negligent in selecting them.

15. Entire Agreement

These Terms, your investment agreement, and our Privacy Policy constitute the entire agreement between you and Silvaland. Any previous agreements or understandings are superseded.

16. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain valid and enforceable.

17. Contact

For questions about these Terms, contact:
Email: compliance@silvaland.eu
Mailing Address: [To be added]

18. Changes to These Terms

Silvaland may modify these Terms anytime by posting a revised version to this page. Continued use of the platform constitutes acceptance of modified Terms.

Last modified: 9 March 2026