Terms of Use

Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the CIC website at [domain], the investor portal, start-up application portal, careers portal, and all related content and services (collectively, the "Services") provided by Community Investment Capital ("CIC", "we", "us", "our").

By accessing the Services — including merely browsing the website — you confirm that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated into these Terms by reference.

If you are using the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

About CIC & Regulatory Status

Community Investment Capital ("CIC") is [LEGAL ENTITY NAME], registered in [JURISDICTION] under company number [NUMBER], with its registered office at [ADDRESS].

CIC operates a community-governed digital asset investment fund built natively on the XRP Ledger. CIC is [REGULATORY STATUS — e.g. "registered with the Financial Conduct Authority (FCA) under FRN [NUMBER]" — to be completed upon registration].

Not Financial Advice

Eligibility & Restrictions

Access to the investment Services is restricted. To invest in the CIC fund, you must meet all of the following criteria:

• You must be at least 18 years of age.
• You must not be a US Person as defined under Regulation S of the US Securities Act 1933, and you must not be accessing the Services from within the United States.
• You must satisfy one of the following investor classifications under applicable law: Professional Investor, Accredited Investor, High Net Worth Individual, or Sophisticated Investor (as defined under the FCA's Conduct of Business Sourcebook, COBS 4.12).
• You must complete and pass CIC's KYC/AML verification process before capital is accepted.
• You must not be subject to sanctions imposed by OFSI (UK), the UN, EU, or US OFAC.
• You must be accessing the Services for your own account and not on behalf of an undisclosed third party.

CIC reserves the right to refuse access to any person at its sole discretion, including where CIC reasonably believes you do not satisfy the eligibility criteria or where accepting you as an investor would create a legal, regulatory or reputational risk for CIC.

Investor Portal & Wallets

To access the investor portal and participate in fund governance, you must connect a compatible XRP Ledger wallet. CIC currently supports GemWallet and Crossmark, with XUMM/Xaman support planned pending API credentials.

• Your Responsibility: You are solely responsible for the security of your XRPL wallet, including your private key, seed phrase, and any signing devices. CIC will never ask for your private key or seed phrase.
• Wallet Security: If you suspect your wallet has been compromised, disconnect it from the portal immediately and contact us. CIC cannot reverse XRPL transactions — all blockchain transactions are final.
• Accurate Wallet Address: You warrant that the wallet address you connect is genuinely under your control. CIC is not liable for losses arising from incorrect wallet addresses.
• No Custody: CIC is not a custodian of your digital assets. CIC does not hold your private keys.

Investment Risk Warnings

Specific risks include, but are not limited to:

The above list is not exhaustive. Please read the full risk section in the CIC White Paper before investing.

Governance & Voting

• Governance votes are weighted by fund unit holding once units are live; prior to launch, one connected and KYC-verified wallet carries one vote.
• Votes are recorded server-side with a timestamp and are final once submitted.
• CIC sets quorum thresholds and voting periods for each proposal.
• CIC reserves the right to veto governance proposals that would require CIC to breach applicable law or regulation.
• Participation in governance voting does not make you a director, officer, or partner of CIC.

Start-Up Applications

• No Guarantee: Submission of a start-up application does not guarantee funding approval.
• 50/50 Partnership: If approved by investor vote and due diligence, CIC will enter a formal 50/50 equity partnership. The term sheet signed at application stage is non-binding until a formal Shareholders' Agreement is executed.
• Accuracy of Information: False or misleading information may constitute fraud under the Fraud Act 2006 and will result in immediate disqualification.
• Confidentiality: CIC will treat applicant business information as confidential. Anonymised summaries may be shared with CIC investors for governance voting.
• Data Retention: Application data is retained in accordance with our Privacy Policy.

Careers & Job Applications

• You warrant that all information in your application is accurate and truthful.
• Submitting an application does not create a contract of employment.
• CIC will process your application data in accordance with our Privacy Policy.
• CIC is an equal opportunities employer.

Intellectual Property

All content on the CIC Services is the intellectual property of Community Investment Capital and is protected by copyright, trade mark, and other applicable laws.

You may not:

• Copy, reproduce, distribute, publish, or create derivative works of any CIC content without prior written consent.
• Use the CIC name, logo, or brand assets in any way that implies endorsement without written permission.
• Scrape, crawl, or systematically extract content from the Services.
• Reverse engineer, decompile, or attempt to derive source code from the CIC platform.

The XRP Ledger is an open-source decentralised network. Nothing in these Terms affects your rights to use the XRP Ledger under its own open-source licence.

Acceptable Use

You must not use the Services for illegal or fraudulent purposes, attempt unauthorised access, transmit malware, interfere with infrastructure, engage in market manipulation, impersonate CIC, facilitate money laundering, harvest data from other users, or provide false information.

Third-Party Services & XRPL

The CIC Services integrate with the XRP Ledger and third-party wallet providers (GemWallet, Crossmark). CIC has no control over the XRP Ledger network and is not responsible for its disruption, forks, or failures, nor for failures in third-party wallet software.

Disclaimers & Liability

The Services are provided "as is" without warranties of any kind, to the fullest extent permitted by law.

Where liability cannot be excluded by law, CIC's total liability to you shall not exceed the greater of: (a) the amount you invested in the CIC fund during the 12 months preceding the claim, or (b) £100.

Nothing in these Terms excludes or limits CIC's liability for death or personal injury caused by its negligence, fraud, or any other liability that cannot be excluded by law.

Indemnification

You agree to indemnify and hold harmless CIC and its officers, directors, employees, advisers, and agents from claims arising out of your breach of these Terms, violation of law, or provision of false information.

Termination & Suspension

CIC may suspend or terminate your access where you breach these Terms, provide false information, fail KYC/AML, or where continuing to provide Services would breach applicable law. Sections that by their nature should survive termination — intellectual property, disclaimers, limitation of liability, indemnification, and governing law — shall survive termination.

Governing Law & Disputes

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute.

Dispute Resolution: Before commencing formal legal proceedings, you agree to notify CIC in writing and attempt good-faith negotiation for 30 days.

Changes to These Terms

CIC may update these Terms from time to time. Material changes affecting your legal rights will be notified with at least 30 days' notice via the investor portal.

Contact Us

If you have any questions about these Terms, please contact us: