Disclaimers

Performance Not Guaranteed Past performance is no guarantee of future results. This is the case for specific pieces of art, for the artist’s market, for the art market as a whole and for Fractiv. Any historical returns, expected returns, or probability projections are not guaranteed and may not reflect actual future performance. Any art purchase involves a risk of loss, and prospective buyers are urged to carefully consider whether a purchase is suitable for them. The value of an art piece may go down as well as up and buyers may not get back the full value of their original purchase. Purchasing art is highly illiquid and those buyers who cannot hold the purchase for the long term (at least 5 years) should not invest. Specific Investment Risk You should carefully read the Information pack regarding each art piece, and the associated risks specific to that piece and purchase. Performance Comparisons The comparisons of historic performance of art, financial assets and commodities are comparisons of historical data which may not be a reliable indicator of any future performance. In addition, different art pieces have differing features including differing risks, differing liquidity, and differing transparency of valuations. Some of the comparisons included here do not reflect actual trading and are hypothetical returns generated based on proprietary knowledge by the listing gallery. Underlying Risk Please note that art is not an investment instrument covered by the Financial Conduct Authority. The underlying art piece may be valued in a currency other than the invested currency and therefore there may be currency exchange risk in addition to the inherent purchase risk. You should review all available material carefully before deciding to purchase and, if you are unsure about whether the purchase is a good decision for you, you should consult with an authorised investment advisor or art dealer. Liquidity Not Guaranteed Art listed on Fractiv can be highly illiquid and you will not be able to exit your purchase until the entire art piece is resold. In addition, the timeframes to sell the art piece and return capital may be extended due to many factors. You should not rely on any specific timeframes for a return of capital and should not enter into any purchase if you think you may need the money in the short or medium term. No Access to FSCS Purchases are not covered by the Financial Services Compensation Scheme and your capital is at risk. No Guarantee of Income There is no guarantee that any art you invest in will pay returns or other form of income to you.

These terms tell you the rules for using our website www.fractiv.io By using our site you accept these terms By using our site, you confirm that you accept these terms of use and that you agree to comply with them. We may make changes to these terms We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. We may terminate your right to use our site We may terminate or suspend your account at any time, without liability to you. Your right to use our site will automatically terminate if you breach these terms of use. Termination will not relieve either party from any obligations incurred or arising prior to such termination, and those sections of these terms of use which are by their nature intended to survive termination will so survive. Local compliance We make no representation that our site, or your use thereof, will comply with any laws or regulations applicable to you in your jurisdiction(s), regarding tax treatment or otherwise. You are responsible for your compliance with applicable local laws. You must keep your account details safe Upon registration you will set a password. You must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user account, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your password, you must promptly notify us at team@fractiv.io. You will be responsible for any actions taken using your credentials. How you may use material on our site We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. We are not responsible for websites we link to Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources. User-generated content is not approved by us Our site may include information and materials uploaded by other users of the site, including to bulletin boards. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent the views of fractiv. In particular, we will not be liable for: loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage. Release and indemnity To the maximum extent permitted by applicable law, you will release, defend, indemnify, and hold us, our past, present, and future affiliates, licensors, licensees, marketing partners, and suppliers, together with their respective officers, directors, employees, and agents, harmless from and against any damages, losses, claims, actions or demands, liabilities and settlements including without limitation reasonable legal and accounting fees, resulting from your use of the site, any content you have submitted, or your violation of these terms of use. We may opt to defend such claims at our sole discretion, in which case you will indemnify us for the costs of such defense. Force majeure We will not be responsible or liable for any delays or failures to perform due to causes beyond our reasonable control, which may include natural disasters, terrorist attacks, criminal activity, failure of internet or communications networks, health emergencies including pandemics or similar serious outbreaks of disease, or other force majeure events. Acceptable use You will act in a professional, respectful, ethical, and lawful manner when using our site. You will not, directly or indirectly: - remove any trademark or copyright notices or watermarks contained in our site or any information, data, text, software, music, sound, photographs, graphics, video, messages, or other material or content incorporated into our site; reproduce, modify, publish, distribute, transmit, disseminate, transfer, license, sell, lease, create derivative works based upon, or in any way commercially exploit our site or content; - use manual or automated means to trawl, mine, scrape, frame, or mirror our site or content; - disassemble, decompile or reverse engineer our site or content; - attempt to hack, defeat, or overcome any encryption technology or security measures regarding our site or our other systems or those of any third party, or gain any unauthorized access to any systems or accounts; - interfere with or disrupt the operation of our site or any other systems or otherwise interrupt or interfere with any other user’s use or enjoyment of our site; promote illegal activity or violate any applicable local, state, national or international law; - post or transmit any content, or otherwise behave in any manner, that is or are discriminatory, unlawful, defamatory, abusive, harassing, threatening, indecent, pornographic, obscene, fraudulent or otherwise inappropriate or infringes any intellectual property or privacy or other rights of any person; - impersonate any person or misrepresent your identity or affiliation; - use our site in a way that may adversely affect us or reflect negatively on us, any of our goodwill, name or reputation; - provide any false or misleading information or any information that you do not have the right to provide; or otherwise violate any of our published rules, policies, or guidelines. - Breach of the terms set out in this “Acceptable use” section constitutes a material breach of these terms of use, and may result in our taking any or all of the following actions: Immediate, temporary or permanent withdrawal of your right to use our site. Issue of a warning to you. Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

This Privacy Policy aims to give you information on how Fractiv collects and processes your personal data through your use of this website, including any data you may provide through this website when you register for our website, upload any documents to our website, contact us through our contact channels or use any of the services that we provide. This website is not intended for children and we do not knowingly collect data relating to children. It is important that you read this Privacy Policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This Privacy Policy supplements other notices and privacy policies and is not intended to override them. Controller Fractiv Ltd is the controller and responsible for your personal data (collectively referred to as “Fractiv”, “we”, “us” or “our” in this Privacy Policy) We have appointed a Data Protection Officer (DPO) who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions about this Privacy Policy, please contact the DPO using the details set out below. Changes to your information and your duty to inform us of changes It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationships with us. Third-party links This website may provide links to third-party websites, including links to the research or articles referred to on our website, or links to the Financial Conduct Authority website. Clicking on those links may allow third pares to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit. The data we collect about you Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows: - Identity Data: includes first name, maiden name, last name, username or similar identifier, title, date of birth and gender. Documents which includes a copy of your passport, source of funds, proof of address, power of attorney, purchase/sale agreements, nominee agreement and any other agreement required to participate in and use the platform - Contact Data: includes billing address, email address and telephone numbers. - Financial Data: includes bank account and payment details. - Transaction Data: includes details about payments to and from you and other details of products and services you have purchased or sold from or to us or others on the website. - Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website. - Profile Data: includes your username and password, transactions made and services used by you, your interests, preferences, feedback and survey responses. - Usage Data: includes information about how you use our website, products and services. - Marketing and Communications Data: includes your preferences in receiving marketing from us and our third parties and your communication preferences. If you fail to provide personal data Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time. How we use your personal data We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: - Where we need to perform the contract we are about to enter into or have entered into with you. - Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests. Where we need to comply with a legal obligation. - Some additional ways that we use your data - but not limited to; To register you as a new customer; to perform our legal obligations in terms of AML & KYC checks; Payment processing; Maintaining ownership records; Informing you of new products/service etc Data security We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. Data retention We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint.