Terms of Use

Property Investment Crowdfunding Platform

Updated: Sep 29th, 2026

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE PLATFORM OR PARTICIPATING IN THE REWARDS PROGRAM. PROPERTY INVESTMENT CROWDFUNDING IS RISKY. YOU MAY LOSE ALL OR PART OF THE MONEY YOU INVEST. REWARDS ARE NOT CASH, CANNOT BE WITHDRAWN, AND DO NOT REDUCE THE RISKS OF AN INVESTMENT.

1. ABOUT THESE TERMS

1.1 These website terms and rewards terms set out the main terms on which Arvo Limited, a private company limited by shares incorporated in the Dubai International Financial Centre with registration number 12394, makes available the Arvo property investment crowdfunding platform, including the website, mobile application, investor dashboard and related electronic interfaces.

1.2 Arvo is authorised and regulated by the Dubai Financial Services Authority under DFSA reference number F012373 to carry on the Financial Service of Operating a Crowdfunding Platform, specifically Property Investment Crowdfunding, and holds the applicable endorsement to provide services to Retail Clients and hold Client Money, subject to its DFSA Financial Services Permission, DFSA Rules and applicable law.

1.3 These Website Terms and Rewards Terms supplement, and do not replace, the Arvo Terms and Conditions for the Property Investment Crowdfunding Platform (the “Main Terms”). The Main Terms apply to account operation, onboarding, Client Money, investment commitments, Investments, SPVs, fees, transfers, exits and the regulated services provided through the Platform. Risk acknowledgements, investment memoranda, property-specific documents, SPV documents, privacy notices and Platform confirmations may also apply.

• (a) a property-specific document accepted by you in relation to an Investment will prevail for that Investment to the extent of the inconsistency, unless expressly stated otherwise;
• (b) as between these Terms and the Main Terms, the Main Terms will prevail in relation to the Platform, your account, any Investment, fees, transfers, exits and any regulated service; and
• (c) these Terms will govern the Rewards Program only to the extent that they expressly address the relevant reward. The Privacy Policy governs the processing of personal data.

1.5 Nothing in these Terms permits Arvo to provide any service, product, payment method, investment structure or regulated activity outside the scope of its DFSA Financial Services Permission or any applicable regulatory approval.

2. USING THE PLATFORM

2.1 The Platform allows eligible users to view selected UAE residential property opportunities, complete onboarding and client classification, review property information, commit funds, subscribe for shares or interests in a property SPV, monitor investments and, where available, use a transfer facility to seek an exit.

2.2 Arvo does not sell property directly to Investors. Investors do not hold legal title to the underlying Property and do not have a right to occupy it. Each Property listed on the Platform will be held through a separate SPV established for that Property. Each SPV will hold one Property only, will not jointly own the Property with another Person, and will not hold a pool of properties. Arvo will not list only a partial interest in a Property. Investors will hold shares or interests in the relevant SPV in accordance with the applicable property-specific documents. No mortgage, lien, charge or other security interest will be granted over a Property held under the crowdfunding structure.

2.3 Platform content, educational materials, dashboards, calculators, property summaries, market data, projected returns, scores, forums, rewards and engagement tools are provided for information only. They are not investment advice, legal advice, tax advice, valuation advice or a personal recommendation.

2.4 Arvo may introduce, modify, restrict, suspend or withdraw any access level, feature, payment method, investment opportunity, transfer facility, reward, forum or other functionality where it considers this necessary or appropriate for legal, regulatory, operational, investor protection, AML, sanctions, fraud prevention, cybersecurity or risk management reasons.

3. ELIGIBILITY, ONBOARDING AND CLIENT CLASSIFICATION

3.1 You may use the Platform only if you satisfy Arvo’s eligibility, onboarding, client classification, KYC, AML, sanctions, residency, appropriateness, investment limit, source of funds, source of wealth, risk acknowledgement and other requirements from time to time.

3.2 Arvo may treat you as a Retail Client unless you are assessed and accepted as a Professional Client in accordance with applicable DFSA Rules. Different protections, limits and warnings may apply depending on your client classification.

3.3 You must provide true, accurate, complete and up-to-date information. Arvo may require identity documents, address evidence, bank statements, corporate documents, beneficial ownership information, tax information, declarations and any other information required for legal, regulatory or operational purposes.

3.4 You must not use the Platform on behalf of another person unless Arvo has approved the arrangement and completed onboarding on the relevant principal, beneficial owner, controller or authorised representative.

3.5 Arvo may refuse onboarding, reject funds, decline an investment, suspend activity, delay withdrawals, request further information, report suspicious activity, freeze funds, restrict access or close an account where required or permitted by law or where Arvo considers it necessary or appropriate.

4. INVESTMENT LIMITS AND PROPERTY INVESTMENTS

4.1 Unless the DFSA Rules or Arvo’s internal policy require a lower limit, a Retail Client must not invest more than US$50,000 in any individual property, more than 30% of the offering size of any individual property, or more than US$100,000 in total in any calendar year using the Platform. Arvo may impose lower or additional limits.

4.2 The minimum investment amount for a property will be displayed on the Platform. Arvo currently expects the minimum ticket size to be from US$100 per property but may vary it by property, client type, jurisdiction, currency, payment method or operational requirement.

4.3 Arvo’s property selection criteria focus on completed residential properties in the United Arab Emirates with a single discrete title deed. In assessing a Property, Arvo will consider its location, condition, title, occupancy and lettability; tenant demand; independent valuation; anticipated net rental income and net rental yield; potential for capital appreciation; acquisition and operating costs; anticipated holding period; liquidity and exit prospects; applicable legal or regulatory restrictions; and portfolio concentration and diversification considerations. Arvo generally seeks Properties capable of providing a balance of rental income and potential capital return. Before listing a Property, Arvo will undertake due diligence designed to verify the Seller, the condition of the Property, legal title, the Seller’s ability to sell the Property free of encumbrances, completion of construction, lettability and whether any renovation or other work is required before the Property can be let.

4.4 Each property memorandum will describe the property, location, condition, title, occupancy status, due diligence results, valuation, estimated costs, expected rental income, relevant risks, fees, funding target, holding period, exit assumptions, distribution arrangements and other material information Arvo considers relevant.

4.5 Arvo will not list on the Platform any Property for which the total consideration sought from Investors exceeds US$10,000,000 or its equivalent in another currency, unless Arvo has first obtained explicit written confirmation from the DFSA permitting the relevant listing. Any higher limit will apply only after the Main Terms and all relevant Platform disclosures and marketing materials have been updated accordingly.

4.6 DFSA authorisation does not mean that the DFSA has approved, endorsed, reviewed or guaranteed any property, seller, SPV, valuation, projected return, rental income, exit opportunity or information made available through the Platform.

5. FUNDING, CLIENT MONEY AND PAYMENT METHODS

5.1 Client Money will be held in segregated Client Money Accounts in accordance with applicable DFSA Rules and Arvo’s client money arrangements. Client Money may be pooled with money of other clients, and you may have a claim against the client money pool rather than a specific sum in a specific account.

5.2 Money transferred to Arvo before it is committed to an investment remains your money and may be withdrawn, subject to KYC, AML, sanctions, payment, operational and legal requirements. Once committed to an investment, funds are subject to the commitment, cooling-off and completion process.

5.3 Arvo may permit wire transfer, account-to-account transfer, debit card, approved payment service provider or other electronic method. Cash and cheque deposits are not permitted. Arvo does not accept digital asset, crypto asset, stablecoin, wallet-based or blockchain-based payments.

5.4 Retail Clients must not use credit cards to fund an investment. Debit cards may be permitted where Arvo has adequate systems and controls. Third-party payments may be rejected unless Arvo has expressly approved the arrangement.

5.5 Deposits, withdrawals, card payments and currency conversions may be subject to bank charges, payment provider fees, convenience fees, foreign exchange costs, settlement delays, payment reversals and other third-party processing risks. The Platform will disclose relevant fees and conversion information where applicable.

6. COMMITMENTS, COOLING-OFF AND COMPLETION

6.1 You may withdraw your commitment without penalty and without giving a reason during the Commitment Period and during the Cooling-off Period, being at least 48 hours starting immediately after the end of the Commitment Period.

6.2 After the Cooling-off Period has expired, you may not withdraw committed funds except where the Funding Target is not achieved, Arvo cancels or terminates the transaction, a material change gives rise to cancellation rights, or withdrawal is otherwise permitted by these Terms, the property-specific documents, applicable law or DFSA Rules.

6.3 Completion of an investment is subject to the Funding Target being achieved, investors having validly committed and not withdrawn, successful KYC and AML checks, seller completion, title transfer, legal, regulatory, due diligence, valuation and operational requirements being satisfied, and Arvo not exercising its discretion to terminate the transaction.

6.4 If the Funding Target is not achieved or Arvo does not proceed with a property, committed funds will be returned to your Platform account or source account, subject to legal, regulatory, payment, KYC, AML, sanctions and operational requirements. Disclosed third-party costs may be deducted where permitted.

• (a) disclose details of the material change prominently on the Platform;
• (b) notify Investors who have committed to the Investment;
• (c) require those Investors to reconfirm their commitment within five Business Days after being notified; and
• (d) cancel the commitment of any Investor who does not reconfirm within that five-Business-Day period. If a material change occurs after the Commitment Period, Arvo will disclose prominently on the Platform details of the change, any resulting change in Investors’ rights and the steps, if any, Arvo proposes to take.

7. RETURNS, FEES, EXPENSES AND PROPERTY MANAGEMENT

7.1 Returns may include rental income distributions, capital appreciation on sale or other amounts available for distribution by the SPV after deduction of fees, expenses, taxes, liabilities, reserves and amounts payable by or on behalf of the SPV. Returns are not guaranteed.

7.2 Property expenses may include transfer fees, broker fees, legal fees, valuation costs, SPV incorporation and administration costs, property management fees, service charges, insurance, utilities, maintenance, repairs, taxes, government charges, payment processing fees, bank charges, foreign exchange costs and other transaction or operating costs.

• (a) disclose details of the material change prominently on the Platform;
• (b) notify Investors who have committed to the Investment;
• (c) require those Investors to reconfirm their commitment within five Business Days after being notified; and
• (d) cancel the commitment of any Investor who does not reconfirm within that five-Business-Day period. If a material change occurs after the Commitment Period, Arvo will disclose prominently on the Platform details of the change, any resulting change in Investors’ rights and the steps, if any, Arvo proposes to take.

7.4 Arvo may separately charge Sellers a fee of between 0% and 6% of the purchase price for selling their Property through the Platform. Arvo and any person Related to Arvo will receive remuneration in connection with the Property Investment Crowdfunding service only from Investors or Sellers using the Platform. Neither Arvo nor any Related Person will receive remuneration, fees, payments or commissions from a real estate agent, property manager, valuer, custodian or another person providing services in relation to a Property.

7.5 Day-to-day property management will be carried out by an independent property manager or other service provider appointed for the relevant property or SPV. Arvo, the SPV or the property manager may take urgent action without prior investor approval where reasonably necessary to protect the property, comply with law, preserve value, avoid liability or prevent further loss.

7.6 A reserve fund may be included in the transaction costs and used for property expenses. If reserves, rental income or other available SPV funds are insufficient, Arvo may fund additional costs on behalf of the SPV and be reimbursed in priority to distributions, subject to the relevant documents and applicable law.

8. VOTING, TRANSFERS AND EXITS

8.1 Investors may be asked to vote on matters relating to a property or SPV, including sale, extension of holding period, appointment or removal of property manager or SPV directors, significant capital works, legal proceedings, leasing strategy, amendments to SPV documents and other matters specified in the relevant documents.

8.2 Voting may be conducted through the Platform, by email or by another electronic method. Unless a higher threshold applies, matters may be approved by a simple majority of valid votes cast. Investors who do not vote may be treated as abstaining.

8.3 Each Investment is subject to a mandatory holding period of one year beginning on the Investment Completion Date, unless the relevant property-specific documents specify a longer period or Arvo permits otherwise in exceptional circumstances. After that period, Arvo currently expects to make Exit Windows available twice each year. Exit Windows may be delayed, cancelled, restricted or unavailable and do not guarantee liquidity, price, timing or completion.

8.4 The Transfer Facility may be used only for Investments originally acquired through the Platform. Transfers may take place only between eligible Investors who are existing Clients of Arvo and who have previously invested through the Platform. Before accepting a transfer order, Arvo will ensure that each proposed buyer has access to the information concerning the Seller, Property and Investment that was available to the original or earlier Investors, together with all material subsequent updates.

8.5 Shares or interests offered through the Transfer Facility will be allocated on a fair and non-discriminatory basis under an objective allocation methodology disclosed in advance. Arvo will not give preferential access or priority to any Investor or category of Investors except where required by applicable law or DFSA Rules.

8.6 The 3% exit fee does not apply to a sale or transfer completed through the Transfer Facility. The performance fee is a separate, pre-existing investment-level fee calculated by reference to realised capital appreciation. Subject to Arvo obtaining written DFSA confirmation of the proposed treatment, the performance fee will crystallise when an Investor disposes of all or part of an Investment through the Transfer Facility during an Exit Window and will be calculated in accordance with Clause 16.2(d) of the Main Terms. Following the transfer, the incoming Investor’s Investment Cost Basis will be reset in accordance with the Main Terms so that the same capital appreciation is not charged twice.

Any fee charged for using the Transfer Facility will be designed solely to recover Arvo’s reasonable costs of providing that facility and will not be structured to generate additional income. Subject to Arvo having documented an appropriate cost-allocation methodology and having obtained written DFSA confirmation of that methodology, the Transfer Facility Cost-Recovery Fee will be 4% of the Transfer Price, payable solely by the incoming Investor. No corresponding Transfer Facility Cost-Recovery Fee will be charged to the transferring Investor.

8.7 An investor may request a sale of a property only in accordance with the Platform process and property-specific documents. If a sale is approved by the required investor vote, all investors may be required to participate in the sale and transfer their SPV interests as required to complete it.

8.8 Transfers outside the Platform may be restricted by SPV documents, applicable law, DFSA Rules, KYC and AML requirements and Arvo’s procedures. Transfers following death, incapacity, insolvency, court order or family transfer may require additional verification, documents and onboarding checks.

9. FORUMS, COMMUNICATIONS AND PLATFORM CONTENT

9.1 Arvo may make available forums, communication channels or investor discussion facilities. Posting comments on a forum will be restricted to persons who are Clients using the Platform, and Arvo will ensure that Clients using the forum have equal access to information posted on it. Arvo does not conduct due diligence on, verify or endorse information posted by users on a forum.

9.2 A person posting on a forum must disclose clearly whether that person is affiliated with, or is being compensated directly or indirectly by, a Seller or another person interested in the relevant Property or proposal. Users must not post misleading, fraudulent, abusive, unlawful, confidential, promotional or inaccurate content. Arvo will take reasonable steps to monitor and prevent potentially misleading or fraudulent posts and will remove, or require the deletion or amendment of, a non-compliant post. Arvo will not participate in forum discussions except to moderate posts or address non-compliant content.

9.3 Notices and communications may be provided through the Platform, by email, telephone, SMS, push notification, post or any other method permitted by law. You agree to receive documents, statements, disclosures, acknowledgements and notices electronically unless applicable law requires another method.

10. DATA PROTECTION, INTELLECTUAL PROPERTY AND TECHNOLOGY

10.1 Arvo will process personal data in accordance with applicable data protection laws, including the DIFC Data Protection Law No. 5 of 2020 where applicable, and the Arvo Privacy Policy.

10.2 Personal data may be processed for onboarding, KYC, AML, sanctions screening, client classification, investor eligibility, investment limits, payment processing, investment administration, regulatory reporting, complaints handling, tax reporting, fraud prevention, cybersecurity, analytics and communications.

10.3 All rights in the Platform, software, design, content, dashboards, logos, trademarks, documents, workflows, user interface, educational material and other intellectual property belong to Arvo Limited or its licensors. You may use the Platform only for lawful investment-related purposes in accordance with these Terms.

10.4 The Platform may be interrupted, delayed, restricted or unavailable due to maintenance, outages, cyber incidents, third-party failures, internet issues, cloud provider failures, regulatory requirements or events outside Arvo’s reasonable control. No technology system is completely secure or error-free.

11. SUSPENSION, TERMINATION AND AMENDMENTS

11.1 Arvo may suspend, restrict, reject or terminate your account, access, funding, investment commitment, transfer request or withdrawal where Arvo considers it necessary or appropriate for legal, regulatory, AML, sanctions, fraud prevention, cybersecurity, operational, investor protection, tax or risk management reasons.

11.2 You may request closure of your account only if you have no active commitments, pending transactions, SPV holdings, outstanding fees, remaining account balance, unresolved investigations or other continuing obligations. Closure does not affect completed investments, records retention, regulatory obligations, tax reporting, disputes, liabilities or surviving provisions.

11.3 Arvo may amend these Terms from time to time, including to reflect changes in law, DFSA Rules, regulatory expectations, Platform features, fees, onboarding, payment methods, operational processes, technology requirements, business model or market practice. Material amendments will be notified in accordance with applicable requirements.

11.4 Subject to mandatory legal and regulatory obligations, Arvo will not be liable for investment losses, rental losses, tax liabilities, foreign exchange losses, indirect losses, consequential losses or losses arising from risks disclosed in these Terms, the Key Risks page or property-specific documents.

11.5 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law or DFSA Rules, including any mandatory duties owed by Arvo under the regulatory system applicable in the DIFC.

12. REWARDS PROGRAM

12.1 Arvo may offer referral rewards, milestone rewards, cashback, fee reductions, investment bonuses, badges, prompts or other engagement features through the Platform. The Rewards Program is subject to these Terms, any Rewards Page, any campaign terms, the Key Risks page, property-specific documents, applicable law and DFSA Rules.

12.2 Rewards are denominated in AED and recorded as a notional Rewards Balance in your account. Rewards are not cash, deposits, stored value, e-money, loans, credit facilities, securities, interest, dividends, profit distributions, investment entitlements or client money unless and until validly applied to an investment and Arvo determines that client money treatment is required.

12.3 Rewards may only be used to make eligible investments in properties on the Platform. Rewards cannot be withdrawn, transferred, assigned, sold, pledged, redeemed for cash, exchanged for value, used outside the Platform or paid to any bank account, card, wallet or payment instrument.

12.4 To participate in the Rewards Program, you must have an active account in good standing, complete required onboarding and checks, comply with these Terms and applicable law, and not be suspended, restricted, under investigation or located in a prohibited or restricted jurisdiction. Arvo may impose additional eligibility conditions at any time.

12.5 Rewards may be earned through Referrals and Milestones only, unless Arvo states otherwise. The applicable reward amounts, milestone tiers, eligibility requirements, expiry rules and operational processes will be displayed on the Rewards Page and may be amended from time to time.

12.6 A referral will be treated as successful only where the referred user registers through an approved referral method, the referrer has made at least one investment of AED 500 or more, the referred user makes an investment of AED 500 or more, the relevant property funding completes, the investments are not cancelled, reversed, refunded, disputed, charged back or unwound, and both users remain eligible.

12.7 Once a successful referral is confirmed, the referrer and referred user will each receive AED 150 in their respective Rewards Balance, unless the Rewards Page states a different amount or Arvo determines otherwise. The referrer is not required to make a separate AED 500 investment for each referred user unless Arvo changes the requirement.

12.8 Milestone rewards may be based on the number of unique properties invested in, the total number of successful referrals, or the total capital invested through the Platform. Each milestone category may have tiers displayed on the Rewards Page. Milestone progress will be calculated by reference to Arvo’s systems and records.

12.9 Earned Rewards will expire if your account has no investing activity for 12 consecutive months. Logging in, browsing, updating profile details, joining a waitlist, receiving communications or holding an unused Rewards Balance does not count as investing activity.

12.10 Arvo may withhold, suspend, cancel, reverse, deduct or reclaim Rewards where it considers that there has been fraud, abuse, multiple accounts, self-referral, misleading marketing, failed tracking, technical error, chargeback, breach of terms, breach of law, regulatory concern, AML or sanctions risk, tax issue, operational issue or reputational risk.

12.11 The Rewards Program does not constitute investment advice, a financial promotion, a personal recommendation, a guaranteed return or assurance that any property is suitable. Rewards should not be treated as a reason to invest and do not reduce the risks of an investment.

12.12 Arvo may amend, suspend, withdraw, replace or terminate the Rewards Program, these Rewards Terms, any Reward amount, referral requirement, milestone requirement, eligibility condition, expiry rule or operational process at any time, subject to applicable law and DFSA Rules.

13. COMPLAINTS, GOVERNING LAW AND CONTACT

13.1 If you are dissatisfied with Arvo’s products or services, you may submit a complaint in writing to support@arvo.co with the subject line “Complaint”. Arvo will handle complaints in accordance with its complaints handling policy and applicable DFSA Rules.

13.2 These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the DIFC. The DIFC Courts will have non-exclusive jurisdiction over disputes arising out of or in connection with these Terms, the Platform or any investment.

13.3 Legal notices may be sent to compliance@arvo.co. Client support and complaints may be sent to support@arvo.co. Arvo’s registered office is Unit GD-PB-04-01-OF-01-0, Level 1, DIFC Funds Centre, Precinct Building 4, Dubai International Financial Centre.

APPENDIX 1 - INDICATIVE FEE SUMMARY

The final amount, calculation methodology, VAT treatment, timing and payor of any fee or charge will be disclosed in the Platform flow and, where applicable, in the relevant property-specific disclosure before an investment is completed.