Please read these Terms and Conditions of BalderX AS (the “Terms and Conditions”) fully and carefully before using our platform (the “Site” or “Portal”) and the services, features, content or applications offered by BalderX AS (together with the Site, the “Services”). The term “User”, “you” or “You” shall refer to any person or entity who views, uses, accesses, browses or submits any content or material to the Services. These Terms and Conditions set forth the legally binding terms and conditions for your use of the Services.

DISCLAIMER

The information to which the Site gives access is exclusively intended for people who are not located in or resident of certain other restricted jurisdictions, and who are otherwise permitted to receive such information.

The information to which the Site gives access does not constitute an offer or an invitation to purchase securities in the United States, Australia, Canada, Japan, South Africa or the People’s Republic of China or in any other jurisdiction in which such offer or invitation is not authorised or to any person to whom it is unlawful to make such offer or invitation.

Users of this information are requested to inform themselves about and to observe any such restrictions. Securities cannot be offered or sold in the United States without registration under the United States Securities Act of 1933, as amended, or pursuant to an exemption from such registration.

1.  Acceptance of terms and conditions

• By registering for and/or using the Services in any manner, including but not limited to visiting or browsing the Site, you agree to these Terms and Conditions and all other operating rules, disclaimers, policies and procedures that may be published from time to time on the Site by us, including the Privacy Policy, each of which is incorporated by reference and each of which may be updated from time to time without notice to you.
• Certain parts of the Services may be subject to additional terms and conditions specified by us from time to time; your use thereof is subject to those additional terms and conditions, which are incorporated into these Terms and Conditions by this

2.  Services and features

• You acknowledge and agree that the Site enables you to purchase company bonds offered by BalderX AS – pegged to property development and management.

• The features and functionalities of the Services are only offered to Users who fulfil certain conditions set forth in these Terms and Conditions and who have successfully registered on the Services and accepted these Terms and Conditions. It is the responsibility of the Users to independently assess in detail the implications of the Site’s features and products provided by the BalderX AS.
• We may update or amend the Services from time to time, at our sole and absolute discretion. This may include upgrades, modifications, bug fixes, patches, other error corrections, or new features.
• In our sole discretion, we may change, suspend, or discontinue any or all parts of the Services at any time. In addition, we have no obligation to provide any updates or to continue to provide or enable any particular feature or functionality of the We may also impose limits on certain parts of the Services or restrict access to part or all of the Services and its features without notice or liability.
• Nothing on the Site shall be construed as constituting investment advice. The Content is for information purposes only. You acknowledge that there are risks associated with investing in bonds pegged to underlying assets. Your capital may be at risk and you may not receive the anticipated You assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other content. You agree not to hold BalderX AS or any of its subsidiaries liable for any possible claim for damages arising from any decision you make based on the information or Content made available to you on the Site.

3.  Content

• For purposes of these Terms and Conditions, the term “Content” includes, without limitation, information, data, text, photographs, videos, audio clips, software, algorithms, written posts and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the For the purposes of this Agreement, “Content” also includes all User Content (as defined below).
• User All Content added, created, uploaded, submitted, distributed, or posted to the Services by users (collectively “User Content”), whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such User Content. You represent that all User Content provided by you is accurate, complete, up-to-date, and in compliance with all applicable laws, rules and regulations. You acknowledge that all Content, including User Content, accessed by you using the Services is at your own risk and you will be solely responsible for any damage or loss to you or any other party resulting therefrom.

• Notices and Restrictions. The Site may contain Content provided by us or our partners that is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the
• Use Subject to these Terms and Conditions, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use Content solely for purposes of using the Services. Use, reproduction, modification, distribution or storage of any Content for other than purposes of using the Services is expressly prohibited without prior written permission from us. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial use or in any way that violates any third party right.

4.  Rules of conduct

• As a condition of use, you promise not to use the Services for any purpose that is prohibited by these Terms and You are responsible for all of your activity in connection with the Services.
• You shall not (and shall not permit any third party to) either (a) take any action or (b)

upload, download, post, submit or otherwise distribute or facilitate distribution of any Content on or through the Services, including without limitation any User Content, that:

• infringes any patent, trademark, trade secret, copyright, right of publicity or other right of any other person or entity or violates any law or contractual duty;
• you know is false, misleading, untruthful or inaccurate;
• is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains or depicts sexual activity, or is otherwise inappropriate as determined by us in our sole discretion;
• constitutes unauthorized or unsolicited advertising, junk or bulk e-mail

(“spamming”);

• contains software viruses or any other computer codes, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any system, data, password or other information of ours or of any third party;
• impersonates any person or entity, including any of our employees or representatives; or
• includes anyone’s identification documents or sensitive financial

• You shall not:
  (i) take any action that imposes or may impose (as determined by us in our sole discretion) an unreasonable or disproportionately large load on our (or our third party providers’) infrastructure;
  (ii) interfere or attempt to interfere with the proper working of the Services or any activities conducted on the Services; (iii) bypass, circumvent or attempt to bypass or circumvent any measures we may use to prevent or restrict access to the Services (or other accounts, computer systems or networks connected to the Services);
  (iv) run any form of auto-responder or “spam” on the Site;
  (v) use manual or automated software, devices, or other processes to “crawl” or “spider” any page of the Site;
  (vi) harvest or scrape any Content from the Site; 
  (vii) otherwise take any action in violation of our guidelines and policies.

• You shall not (directly or indirectly):
  (i) decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Services (including without limitation any application), except to the limited extent applicable laws specifically prohibit such restriction,
  (ii) modify, translate, or otherwise create derivative works of any part of the Services, or
  (iii) copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder. You shall abide by all applicable local, state, national and international laws and regulations.

• We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to
  (i) satisfy any applicable law, regulation, legal process or governmental request,
  (ii) enforce these Terms and Conditions, including investigation of potential violations hereof,
  (iii) detect, prevent, or otherwise address fraud, security or technical issues,
  (iv) respond to user support requests, or
  (v) protect the rights, property or safety of us, our users and the public.

5.  Registration and limitations of use

• In order to use the Services, each User must register and create an account (each a “User Account”). The registration requires all requested data to be provided completely and truthfully. In providing the registration information, you agree that you will not provide false information, omit or misrepresent information, or otherwise conceal your identity or any material information. Users may only bonds once they have passed the Know Your Customer (“KYC”) verification on the Your registration may only be deemed complete upon successful KYC verification.
• There is no legal entitlement for using the Services provided by BalderX AS. BalderX AS has the right to stop or deny any registration without giving any reasons. BalderX AS reserves the right to refuse to accept any User who fails to provide sufficient information or for any other reason.
• Please note that the Services do not allow registration of politically exposed persons (PEPs) as the term is defined by the COMMISSION DIRECTIVE 2006/70/EC, of 1 August 2006 and Users currently residing in the countries identified by the European Union External Action: Common Foreign and Security Policy listed on their Please also note that, due to regulatory restrictions, BalderX AS may reject Users as citizen of, incorporated in, or residing in, the United States of America.
• If an individual person is registering on behalf of a business entity as User, such individual person and business entity warrants that such individual person has the authority to bind that entity to these Terms and Furthermore, all registration information must be kept up to date at all times. This means that you shall notify operators of the Services promptly of any material change in the validity of previously provided information via email or amending such details in your User Account.
• Following successful registration, you will be able to use the Services’ functionalities and features. Please note that use of the Services requires a digital Users may use an existing digital wallet.
• Please note that BalderX AS reserves the right to change Services’ specifications at any time.

6.  Representations of user

Representations and warranties are personal statements or assurances given by you on which we will rely when we provide access to the Services. By using the Services, you represent and warrant that at all times, you acknowledge and confirm that all of the following is true:

• You are at least 18 years old, or the age of legal consent for engaging in purchase of

Bonds or shares under the laws of any jurisdiction that applies to you;

• You are not a politically exposed person and do not have any relationship (e.g., relative, associate ) with a person who holds or held any public position in the last 12 months.
• You are of sound mind and judgement;
• All the details that you have submitted to us or any details given to us when opening a User Account and/or making a deposit are accurate, up-to-date, complete and not misleading and match the name on the payment accounts in which you intend to deposit or receive monies from your account;

• You will notify us immediately of any changes to any information you have provided to us in connection with these Terms and Conditions;
• You understand that financial regulations, financial codes, financial ethics and contractual requirements vary worldwide and it is your responsibility to make sure that you comply with all laws and regulations applicable to you before using the
• You have verified and determined that your use of the Services does not violate any such laws or regulations of any jurisdiction that applies to you;
• All money that you use for purchases through the Services does not originate in any way from drug trafficking, abduction, terrorist activity or any other criminal activity that is unlawful or could be considered unlawful by any relevant authority.

7.  Third party services

The Site may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Site. When you access third-party resources on the Internet, you do so at your own risk. These other resources are not under our control, and you acknowledge that we are not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply our endorsement or any association between us and their operators. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such website or resource.

8.  Payments and billing

• Payment You can invest on the Portal using bank transfer
• Currency Please note, that the currency risk remains with you and not with the Portal or Subsidiary until the funds have been received by BalderX AS or the appointed trustee.
• Current Information Required: YOU MUST PROVIDE CURRENT, COMPLETE AND ACCURATE INFORMATION FOR YOUR BILLING ACCOUNT. YOU MUST PROMPTLY UPDATE ALL INFORMATION TO KEEP YOUR BILLING ACCOUNT CURRENT, COMPLETE AND ACCURATE (SUCH AS A CHANGE IN BILLING ADDRESS, BANK ACCOUNT INFORMATION, CREDIT CARD NUMBER, OR CREDIT CARD EXPIRATION DATE), AND YOU MUST PROMPTLY NOTIFY US OR OUR PAYMENT PROCESSOR IF YOUR PAYMENT METHOD IS CANCELED (E.G., FOR LOSS OR THEFT) OR IF YOU BECOME AWARE OF A POTENTIAL BREACH OF SECURITY.

9.  Termination

We may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. All provisions of these Terms

and Conditions which by their nature should survive termination shall survive termination, including, without limitation, licenses of User Content, ownership provisions and warranty disclaimers, indemnity and limitations of liability.

10.  Indemnification

You shall defend, indemnify, and hold harmless us, our affiliates and each of our and their respective employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Services, Content, or otherwise from your User Content, violation of these Terms and Conditions, or infringement by you, or any third party using your Account or identity on the Services, of any intellectual property or other right of any person or entity, including your use of the Services to provide a link to another website or to upload Content or other information to the Site. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

11.  Limitation of liability

• BalderX AS does not warrant
  (i) that the information we provide or that is provided through the Service is accurate, reliable, or correct,
  (ii) that the Service will meet your requirements,
  (ii) that the Service will be available at any particular time or location,
  (iii) that the Service will function uninterruptedly or be secure,
  (iv) that any defects or errors will be corrected,
  (v) or that the Service is free of viruses or other harmful Any subject matter downloaded or otherwise obtained through the use of the Service is downloaded at your own risk and you will be solely responsible for any damage to your property or loss of data that results from such download.

• BalderX AS makes no representations or warranties about how long will be needed to complete the processing of a transaction. BalderX AS further does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Service or any hyperlinked websites or service, or featured in any banner or other advertising.

• In no event shall BalderX AS be liable for any lost profits, loss of data, or any indirect, punitive, incidental, special, consequential, or exemplary damages arising out of, in connection with, or relating to these Terms and Conditions, including without limitation the use of, inability to use, or unavailability of the Under no circumstances will BalderX AS be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorised access or use of the Services or your User Account or the information contained therein.

• BalderX AS assumes no liability or responsibility for any
  (i) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the Services, (ii) any unauthorized access to or use of servers used in connection with the Services and/or any and all personal information stored therein;
  (iii) any interruption or cessation of transmission to or from the Services;
  (iv) any software bugs, viruses, trojan horses, or other harmful code that may be transmitted to or through the Services;
  (v) any errors, inaccuracies or omissions in any content or information, for any loss or damage incurred as a result of the use of any content or information, in each case posted, emailed, stored, transmitted, or otherwise made available through the Services; and/or
  (vi) user content or the defamatory, offensive, or illegal conduct of any third party.

• Without limiting the foregoing provisions of this Section 11, BalderX AS cumulative liability to you shall be limited to direct damages and in all events shall not exceed in the aggregate the amount of 1,000 EUR.

• The limitations of this Section 11 shall apply to the fullest extent permitted by law in the applicable jurisdiction.

12.  Governing law and jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Norway, including its conflicts of law rules. You agree that any dispute arising from or relating to the subject matter of these Terms and Conditions shall be governed by the exclusive jurisdiction of the courts in Norway

13.  Modification

We reserve the right, in our sole discretion, to modify or replace any of these Terms and Conditions, or change, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Site, via e-mail or by another appropriate means of electronic communication. We may also impose limits on certain features and services or restrict your access to parts or all of the Services without notice or liability. While we will timely provide notice of modifications, it is also your responsibility to check these Terms and Conditions periodically for changes. Your continued use of the Services following notification of any changes to these Terms and Conditions constitutes acceptance of those changes, which will apply to your continued use of the Services going forward. Your use of the Services is subject to the Terms and Conditions in effect at the time of such use.

14. Feedback

We welcome and encourage you to provide feedback, comments and suggestions for improvements to the Services (“Feedback”). You may submit Feedback by emailing us at support@balderx.com. You acknowledge and agree that all Feedback will be the sole and

exclusive property of us and you hereby irrevocably assign to us and agree to irrevocably assign to us all of your right, title, and interest in and to all Feedback, including without limitation all worldwide patent, copyright, trade secret, moral and other proprietary or intellectual property rights therein. At our request and expense, you will execute documents and take such further acts as we may reasonably request to assist us to acquire, perfect, and maintain its intellectual property rights and other legal protections for the Feedback.

15.  Email

By registering or placing an order with us, you are consenting to receive E-mails from us regarding your order. Additionally, by registering or placing an order with us, you are consenting to receive commercial E-mail from us. If you do not wish to receive commercial E-mail from us, you may remove your name from the E-mail list by contacting us.

16.  Miscellaneous

1. Entire Agreement and These Terms and Conditions are the entire agreement between you and us with respect to the Services, including use of the Services, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us with respect to the Services. If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms and Conditions will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
2. Force We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation.
3. These Terms and Conditions are personal to you, and are not assignable, transferable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations hereunder without consent.
4. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms and Conditions and neither party has any authority of any kind to bind the other in any respect.
5. Unless otherwise specified in these Term and Conditions, all notices under these Terms and Conditions will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service. Electronic notices should be sent to support@balder.com
6. No Waiver. Our failure to enforce any part of these Terms and Conditions shall not constitute a waiver of our right to later enforce that or any other part of these Terms and Conditions. Waiver of compliance in any particular instance does not mean that we will waive compliance in the In order for any waiver of compliance with these Terms and Conditions to be binding, we must provide you with written notice of such waiver through one of our authorized representatives.
7. The section and paragraph headings in these Terms and Conditions are for convenience only and shall not affect their interpretation.

You may contact us at the following address:

BalderX AS

Lørenveien 73 0580 Oslo support@balderx.com

Effective Date: november 2024