Regulatory Disclosures

1. No Offer or Solicitation

The information on this website does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment products.

No offer or solicitation may be made, and no securities or investment products may be sold, except in compliance with applicable securities laws and regulations. Any such offer or solicitation will be made only:

• By means of formal offering documents (e.g., private placement memorandum, subscription agreement)
• To qualified, accredited, or professional investors as defined by applicable law
• In jurisdictions where such offers are permitted
• In compliance with all regulatory requirements

2. Investment Risks

All investments involve substantial risk, and you may lose all or a portion of your investment.

Material Risks Include:

• Loss of Capital: There is no guarantee of return on investment. You may lose your entire principal amount invested.
• Illiquidity: Investments may be highly illiquid with no readily available market. You may not be able to withdraw or redeem your investment for extended periods.
• Lack of Diversification: Concentrated positions in specific sectors, geographies, or asset classes may increase risk.
• Market Risk: Changes in economic conditions, market sentiment, interest rates, and other factors beyond our control may adversely affect investments.
• Operational Risk: Portfolio companies may face operational challenges, management failures, or competitive pressures.
• Regulatory Risk: Changes in laws, regulations, or tax treatment may negatively impact investments.
• Currency Risk: International investments may be affected by currency fluctuations.
• Leverage Risk: Use of debt or leverage by portfolio companies may amplify losses.

3. No Investment Advice

The information on this website is provided for informational purposes only and does not constitute investment, legal, tax, accounting, or other professional advice.

You should consult with your own independent advisors before making any investment decisions. We do not make personalized investment recommendations and do not provide advisory services through this website.

4. Forward-Looking Statements

This website may contain forward-looking statements regarding our expectations, beliefs, intentions, or strategies. Forward-looking statements involve risks, uncertainties, and assumptions.

Actual results may differ materially from those expressed or implied. We do not undertake any obligation to update forward-looking statements.

Forward-looking statements should not be relied upon as predictions of future events or performance.

5. Past Performance

Past performance is not indicative of future results.

Historical returns, case studies, and portfolio examples presented on this website are for illustrative purposes only. There can be no assurance that:

• Similar returns will be achieved in the future
• Investment strategies will be successful
• Losses will not occur
• Investment objectives will be met

Performance may be affected by market conditions, timing, fees, and other factors.

6. Qualified Investors Only

Information regarding investment opportunities on this website is intended solely for qualified investors.

Qualified investors typically include:

• Accredited investors (as defined by applicable securities regulations)
• Qualified purchasers or eligible investors
• Professional or institutional investors
• High net worth individuals meeting regulatory thresholds

By accessing such information, you represent that you are a qualified investor in your jurisdiction.

7. No Guarantee of Returns

There are no guarantees regarding:

• Return on investment or return of principal
• Achievement of investment objectives
• Liquidity or ability to exit investments
• Timing or magnitude of distributions
• Tax treatment or benefits

8. Confidentiality and Use of Information

Information submitted through this website may not be treated as confidential unless covered by a separate non-disclosure agreement. We may use submitted information to evaluate potential partnerships and investment opportunities.

9. Regulatory Status

Gratitude Invest Pte Ltd is a private family office operating in Singapore.

We are not registered as:

• An investment adviser or fund manager with any securities regulator
• A broker-dealer or securities intermediary
• A public fund or collective investment scheme

We do not solicit investments from the general public and engage only with qualified investors on a private, selective basis.

10. Jurisdiction-Specific Notices

United States

This website is not directed to any person in the United States. We do not offer or solicit investments from U.S. persons unless specifically exempted under U.S. securities laws.

European Union

This website does not constitute a prospectus under the EU Prospectus Regulation. Information is provided only to professional investors as defined by MiFID II.

Singapore

This website is subject to Singapore law. Information is provided in accordance with applicable exemptions under the Securities and Futures Act and Financial Advisers Act.

Other Jurisdictions

If you access this website from outside Singapore, you are responsible for compliance with local laws and regulations. We make no representation that our activities comply with laws in all jurisdictions.

11. Fees and Expenses

Investment opportunities may be subject to various fees and expenses, including but not limited to:

• Management fees
• Performance fees or carried interest
• Transaction costs and due diligence expenses
• Legal, accounting, and administrative fees
• Portfolio company operating expenses

Fees and expenses will reduce net returns to investors. Details will be provided in formal offering documents.

12. Conflicts of Interest

Gratitude Invest and its affiliates may be subject to conflicts of interest, including:

• Allocation of investment opportunities between different investors
• Compensation arrangements affecting investment decisions
• Personal investments by principals
• Relationships with service providers and portfolio companies

We seek to manage conflicts of interest fairly and in accordance with applicable law and fiduciary duties.

13. No Registration

Securities or investment products that may be offered by Gratitude Invest have not been and will not be registered under:

• The U.S. Securities Act of 1933
• The Securities and Futures Act (Singapore)
• Securities laws of other jurisdictions

Offerings are made in reliance on applicable exemptions from registration requirements.

14. Tax Considerations

Investment in our opportunities may have significant tax implications. Tax treatment will vary based on:

• Your jurisdiction of residence and tax status
• The structure and jurisdiction of investments
• The nature of returns (capital gains, dividends, interest)
• Applicable tax treaties and regulations

You should consult with qualified tax advisors before investing.

15. Website Disclaimer

This website and all information are provided "as is" without warranties of any kind. We make no representations regarding:

• Accuracy, completeness, or timeliness of information
• Suitability for any particular purpose
• Absence of errors, omissions, or technical issues

We reserve the right to modify, update, or remove website content at any time without notice.

16. Contact for Regulatory Inquiries

For questions regarding these disclosures or regulatory matters, please contact:
Gratitude Invest Pte Ltd
Compliance Department
Email: compliance@gratitudeinvest.com
Phone: +65 [Phone Number]
Address: [Office Address], Singapore [Postal Code]