Disclaimer - Warnings and Risks

Investing in projects introduced by PFS Property Group Spain SL, trading as Property Finance International (below called PFI) may involve certain risks, such as the risk of total or partial loss of invested capital, not obtaining the expected monetary return, or lack of liquidity. Therefore, we advise investors to only invest an amount they are willing to lose and suggest they diversify their investments to minimize and mitigate potential risks.

The main risks may be as follows:

• Risk of total or partial loss of invested capital
• Investments made in PFI introduced projects are not guaranteed, therefore there is a risk of losing all or part of the invested capital.
• Risk of not obtaining the expected monetary return
• Profitability and the value of the investment will depend on the success of the project in which the investment is made. Therefore, if the project’s objectives are not met, the investor may not obtain the expected return and even in negative scenarios, may lose all or part of the invested money.
• Investments made in PFI introduced projects are not guaranteed. That is, neither PFI nor the developers of the projects guarantee the recovery of the investment or the obtaining of a minimum return. There is also no guarantee fund that guarantees the recovery of the investment or the obtaining of a minimum return.
• Risk of lack of investment liquidity due to restrictions on the free transferability inherent in the legal regime of limited capital companies
• The risk of lack of liquidity is warned, caused by the difficulty or impossibility of an investor being able to transfer their shares after acquiring them. In this sense, the inherent restrictions on the free transferability of shares that are inherent in the legal regime of the limited companies that issued them, as well as the restrictions established in their social statutes or parasocial agreements, must be taken into account.
• Risk of dilution of participation in the SL
• Investments made in PFI introduced projects may be subject to future dilution. Dilution occurs when a company issues more shares. Dilution affects all existing partners who do not acquire any of the new shares. As a result, the partners’ participation is reduced.
• Risk of not receiving dividends
• Capital gains will be distributed among investors in their capacity as partners, using the method that maximizes their investment return. The projects published on Urbanitae are real estate and, depending on their characteristics, may be focused on the short or long term. Therefore, in some cases, dividends will not be received but capital gains in the liquidation of the limited company, without any guaranteed return.
• Risk of not being able to influence the management of the company
• Investors cannot influence the management of the companies financed through the participatory financing platform.

PFI does not hold the status of an investment services company or credit institution and is not adhered to any investment guarantee fund or deposit guarantee fund. The information published by PFI is for information purposes only and in no case can it be considered as recommendations to investors.

The participatory financing projects in PFI introduced projects are not subject to authorization or supervision by the National Securities Market Commission or by the Bank of Spain, therefore, all the information provided by the developer regarding the projects has not been reviewed by them.

To avoid conflict of interest:

PFI does not participate in any project published on the platform.

PFI does not charge any fees to the investors in PFI introduced projects.

Disclaimer:

PFI is at no point responsible for any of the introductions made between developers and investors.

The developers can at no point hold legal claims against PFI for advise or introductions.
The investors can at no point hold any legal claims against PFI for advise or introductions.

Neither developers or investors can at any point hold PFI responsible for loss of money.