Refund Policy

Thank you for choosing Divido for your fractional real estate investment journey. This Refund Policy outlines the terms and conditions for refunds related to your investments on our platform.

1. Understanding Your Investment

When you invest in a property through Divido:

• Your funds are used to acquire fractional ownership shares
• Shares are registered in your name
• You become a co-owner of the property
• Your investment is subject to property market conditions

2. Investment Cooling-Off Period

We offer a cooling-off period to give you time to reconsider your investment:

2.1 Cooling-Off Duration

For new investments, you have a 14-day cooling-off period from the date of investment confirmation.

2.2 Conditions for Cooling-Off Refund

To request a refund during the cooling-off period:

• Your request must be submitted within 14 days of investment
• The property share must not have been transferred to another user
• No legal documentation has been finalized with the property developer
• You must provide a written request via email

2.3 Cooling-Off Refund Amount

During the cooling-off period, you will receive:

• 100% of your invested capital
• Any referral bonuses earned from that investment will be deducted

3. Post Cooling-Off Period Refunds

After the 14-day cooling-off period, the following refund options apply:

3.1 Property Liquidation

Once the property is fully operational and trading on our secondary market:

• You may sell your shares on the Divido secondary market
• Sale price is subject to current market value
• Divido charges a 1% transaction fee for secondary market sales
• Settlement typically occurs within 5-10 business days

3.2 Property Completion Buyback

If the property developer offers a buyback program:

• Terms vary by property and developer
• Buyback requests must be submitted through Divido
• Processing time: 30-60 days

4. When Refunds Are Not Available

• After the 14-day cooling-off period has expired
• If legal contracts with the property developer have been finalized
• If the property has been fully allocated and registered
• During ongoing property development (pre-completion)
• If you received returns or distributions from the investment
• For referral bonuses that have already been paid out
• In cases of fraudulent or prohibited use of the platform

5. Divido Platform Fees

The following fees apply to investments and refunds:

Fee Type	Amount	Refundable
Platform Subscription	As per plan selected	Pro-rated based on unused period
Investment Processing	1-2% of investment	Only during cooling-off period
Secondary Market Sale	1% of sale value	N/A
Withdrawal Fee	As per payment method	N/A

6. How to Request a Refund

7. Referral Program Refunds

Referral bonuses are subject to specific refund conditions:

• If a referred user requests a refund during cooling-off, your referral bonus will be reclaimed
• If referred user's investment is invalidated, your bonus will be deducted
• Prize pool winnings are non-refundable once distributed

8. Processing Times

• Cooling-off refunds: 5-10 business days after approval
• Secondary market sales: 5-10 business days after sale execution
• Developer buyback: 30-60 days (dependent on developer)

9. Changes to This Policy

Divido reserves the right to modify this Refund Policy. Material changes will be communicated via email and platform notification. Investments made before changes remain governed by the policy in effect at the time of investment.

10. Contact Us