Effective Date: 1st June, 2025

Welcome to SilaToken (“we,” “us,” “our”). These Terms and Conditions (“Terms”) govern your use of our website and platform (“Platform”) and your participation in fractional real estate investments offered through the Platform. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using the Platform, registering as an investor, or making an investment, you acknowledge that you have read, understood, and agreed to these Terms, as well as our Privacy Policy.

2. Eligibility

You must be at least 18 years old, legally capable, and comply with all applicable laws to use our Platform and invest.

3. Investment Risks

Investing in fractional real estate involves risks, including but not limited to market fluctuations, project delays, and liquidity constraints. Past performance does not guarantee future results. You should conduct your own due diligence and consult financial advisors before investing.

4. Account Registration and Security

You agree to provide accurate information during registration and keep your login credentials confidential. You are responsible for all activities under your account.

5. Investment Process

You may select fractional shares of listed properties and complete payment via our secure gateways.

Funds are held in escrow until project milestones are met.

Upon successful investment, you will receive a legally binding co-ownership certificate.

Payment plans and schedules are detailed on the Platform and must be adhered to.

6. Fees and Charges

Any fees, including management fees or transaction charges, will be clearly disclosed before investment. You agree to pay all applicable fees.

7. Ownership and Rights

Fractional ownership confers rights as specified in your co-ownership agreement, including profit sharing, voting rights (if any), and transferability subject to Platform rules.

8. Distributions and Returns

Rental income and capital gains will be distributed according to ownership shares and schedules outlined in your investment agreement.

9. Secondary Market and Exit Options

You may sell your shares on our secondary marketplace or use buyback options where available. Terms and conditions for exit are governed by separate agreements.

10. Intellectual Property

All content on the Platform is owned or licensed by Silat Estates. You may not reproduce or distribute without permission.

11. Limitation of Liability

To the fullest extent permitted by law, Silat Estates is not liable for any indirect, incidental, or consequential damages arising from your use of the Platform or investments.

12. Termination

We reserve the right to suspend or terminate your access for violations of these Terms or legal reasons.

13. Changes to Terms

We may update these Terms at any time. Continued use of the Platform constitutes acceptance of changes.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be resolved through arbitration or courts in Nigeria.

15. Contact Information

For questions or concerns, contact us at:

Email: Info.silatest[email protected]

Phone: +234 806 001 6159