Terms & Conditions

Terms of Service

These Terms of Service govern access to and use of the ILBS platform, operated by ILBS GROUP. The Platform enables investors to become co-owners of mining equipment (dump trucks), subscribe to fixed-return investment agreements and receive quarterly dividends. Use of the Platform implies full and unreserved acceptance of these Terms. Anyone refusing these terms must refrain from using the Platform.

Effective date: 2026-06-01
Platform: https://ilbsgroup.com

ARTICLE 1 — DEFINITIONS

Platform: the ILBS website and digital services accessible at https://ilbsgroup.com, together with all associated features and content.
Investor: any adult individual or duly represented legal entity that has created an Account and wishes to subscribe to an Investment Agreement.
Account: the secure personal space created after registration, providing access to member-only features.
Investment Agreement: the agreement formalising co-ownership of mining equipment, the amount invested, the quarterly return rate, the duration and dividend payout terms.
Dividend: the share of revenues generated by mining equipment operations, paid quarterly to the Investor.
KYC (Know Your Customer): the identity verification procedures required to combat money laundering and terrorist financing.
Minimum ticket: the minimum investment amount required, set at two thousand five hundred euros (EUR 2,500) or the equivalent in an accepted currency.
Personal Data: any information relating to an identified or identifiable natural person, within the meaning of the GDPR and any applicable national regulation.

ARTICLE 2 — ACCESS TO THE PLATFORM

2.1 Access conditions

Access to the Platform is reserved for: natural persons aged at least eighteen (18) years with full legal capacity; legally incorporated legal entities represented by an authorised person; and persons whose country of residence is not subject to legal restrictions prohibiting the services offered. ILBS GROUP reserves the right to refuse access to any user who does not meet these conditions or in the event of suspected fraudulent activity.

2.2 Geographic areas

The Platform is accessible from all countries and territories where local law does not prohibit the investment services offered. It is the Investor's responsibility to ensure that their use complies with the laws of their country of residence. ILBS GROUP accepts no liability for unlawful use.

2.3 Availability

ILBS GROUP endeavours to ensure Platform availability 24/7. Interruptions may occur for maintenance, updates or force majeure. ILBS GROUP cannot be held liable for the consequences of a temporary unavailability.

ARTICLE 3 — ACCOUNT CREATION AND MANAGEMENT

3.1 Registration

To access investment services, the Investor must create an Account by providing accurate, complete and up-to-date information, including:

Surname, given name(s), date and place of birth
Full residential address
Valid e-mail address and telephone number
Valid identity documents as part of the KYC procedure

3.2 Credentials and security

The Investor is solely responsible for the confidentiality of their login credentials. ILBS GROUP cannot be held liable for any damage resulting from a breach of these obligations. The Investor undertakes to:

Choose a strong, unique password
Never share credentials with any third party
Enable two-factor authentication (2FA) whenever required for sensitive actions
Immediately notify ILBS GROUP of any unauthorised access or compromise of credentials

3.3 Account uniqueness

Each Investor may create only one Account. The creation of multiple accounts is strictly prohibited and may result in the suspension or termination of all accounts concerned.

3.4 Suspension and termination

ILBS GROUP reserves the right to suspend or terminate an Account, without notice or compensation, in particular in the event of:

Provision of false or fraudulent information during registration or KYC
Non-compliance with these Terms
Fraudulent conduct or attempted fraud
Decision by a competent authority
Suspicion of money laundering or terrorist financing

ARTICLE 4 — KYC PROCEDURE (IDENTITY VERIFICATION)

4.1 Legal obligation

In accordance with legal obligations relating to anti-money laundering and counter-terrorist financing (AML/CTF) and international FATF standards, ILBS GROUP is required to verify the identity of each Investor before any subscription to an Investment Agreement.

4.2 Required documents — Natural persons

Front and back copy of a valid identity document (national identity card, driving licence) or front of a valid passport
Proof of address dated within the last three (3) months
Any additional document required based on the Investor's risk profile

4.2 Required documents — Legal entities

Up-to-date articles of association
Company registration certificate or equivalent document
Identity documents of directors and ultimate beneficial owners
Any document establishing the chain of control

4.3 Effects of KYC

Access to investment features is conditional on KYC validation. Until this procedure is completed, the Investor cannot make subscriptions or receive funds. ILBS GROUP reserves the right to request additional documents at any time in accordance with its ongoing due-diligence obligation.

ARTICLE 5 — INVESTMENT AGREEMENTS

5.1 Nature of the investment

Investment Agreements allow the Investor to become a co-owner of one or more dump trucks engaged in mining operations in Guinea. In return, the Investor receives quarterly dividends calculated on the basis of a fixed return rate agreed in the Agreement.

5.2 Key features

Investment Agreements have the following indicative characteristics. Only the terms of the electronically signed Investment Agreement are binding.

Duration: five (5) years
Number of payments: twenty (20) quarterly payments
Minimum ticket: two thousand five hundred euros (EUR 2,500) or equivalent
Return rate: fixed, as specified in each offer
Reference currency: euro (€)

5.3 Associated risks

The return rate provided for in the Agreement is fixed. Nevertheless, all investments involve risks. The Investor acknowledges having read the following risks:

Operational risk related to mining equipment operations
Market risk related to changes in commodity prices and the mining sector
Currency risk if the payout currency differs from the contract reference currency
Country risk related to the political, economic and regulatory environment of the Republic of Guinea
Liquidity risk: participations are not listed and cannot be freely resold

5.4 Subscription

Subscription to an Investment Agreement is carried out through the following process:

Selection of the investment opportunity on the Platform
Eligibility check and KYC validation
Entry of the investment amount (greater than or equal to the minimum ticket)
Entry of the bank account used for dividend payments
Reading, understanding and electronic signature of the Investment Agreement
Confirmation of the investment by ILBS GROUP after receipt and verification of funds

5.5 Cancellation

The Investor has a right to cancel under the conditions defined in the Investment Agreement. Any request must be made before final confirmation by ILBS GROUP. No cancellation will be accepted after this confirmation unless otherwise provided in the Agreement.

5.6 Dividend payments

Dividends are paid quarterly on the dates set in the Agreement to the bank account specified by the Investor. In the event of a delay attributable to a force majeure event or a cause beyond ILBS GROUP's control, the Investor will be informed as soon as possible.

ARTICLE 6 — INVESTOR OBLIGATIONS AND RESPONSIBILITIES

Use the Platform in compliance with laws and regulations applicable in their country of residence and in the Republic of Guinea
Not use the Platform for money laundering, terrorist financing, tax evasion or any unlawful activity
Not attempt to circumvent the Platform's security measures
Not perform automated operations on the Platform without prior written authorisation from ILBS GROUP
Immediately inform ILBS GROUP of any situation likely to affect their ability to fulfil their contractual obligations
Not infringe the intellectual property rights of ILBS GROUP

ARTICLE 7 — INTELLECTUAL PROPERTY

7.1 Rights of ILBS GROUP

All elements of the Platform (architecture, design, texts, graphics, logos, icons, source code, databases, etc.) are the exclusive property of ILBS GROUP or its partners and are protected by applicable intellectual property laws.

7.2 Limited licence of use

ILBS GROUP grants the Investor a personal, non-exclusive, non-transferable and revocable licence to use the Platform, solely for the purpose of accessing the investment services in accordance with these Terms.

7.3 Prohibited acts

Copying, reproducing, modifying, adapting, translating or distributing all or part of the Platform
Reverse engineering the Platform's source code
Using the trademarks, logos or other distinctive signs of ILBS GROUP without prior written authorisation

ARTICLE 8 — LIMITATION OF LIABILITY

8.1 Exclusions

To the fullest extent permitted by applicable law, ILBS GROUP cannot be held liable for:

Financial losses resulting from an investment, unless proven fault of ILBS GROUP
The inaccuracy or incompleteness of information provided by third parties
Damage resulting from improper use of the Platform
Indirect, consequential, incidental, special or punitive damages
Service interruptions due to force majeure events

8.2 Investor's responsibility

The Investor is solely responsible for the compliance of their investments with the tax and regulatory laws applicable in their country of residence. ILBS GROUP does not provide tax or legal advice.

ARTICLE 9 — HYPERLINKS AND THIRD-PARTY CONTENT

The Platform may contain links to third-party websites or services. ILBS GROUP exercises no control over these external resources and accepts no liability for their content, availability or privacy practices.

ARTICLE 10 — GOVERNING LAW AND JURISDICTION

10.1 Governing law

These Terms are governed by and construed in accordance with the laws of the Republic of Guinea.

10.2 Dispute resolution

In the event of a complaint, the Investor is invited to contact ILBS GROUP at legal@ilbsgroup.com to seek an amicable solution. Failing amicable resolution within thirty (30) days, any dispute shall be submitted to the exclusive jurisdiction of the courts of Conakry, Republic of Guinea.

For Investors residing in the European Union, the European Commission's online dispute resolution platform is also accessible at: https://ec.europa.eu/consumers/odr.

ARTICLE 11 — AMENDMENTS TO THE TERMS

ILBS GROUP reserves the right to amend these Terms at any time. Any material change will be notified to the Investor by e-mail and/or by a notification on the Platform at least thirty (30) days before it takes effect. Continued use of the Platform constitutes acceptance of the revised Terms.

ARTICLE 12 — MISCELLANEOUS PROVISIONS

12.1 Entire agreement

These Terms, the Investment Agreement and the Privacy Policy constitute the entire agreement between the Investor and ILBS GROUP relating to the use of the Platform.

12.2 Severability

If any provision of these Terms is declared null and void or unenforceable, such nullity shall not affect the validity of the other provisions, which shall remain in force.

12.3 No waiver

The failure of ILBS GROUP to enforce any breach by the Investor shall not be construed as a waiver of the right to enforce such breach in the future.

12.4 Language

These Terms are drafted in French. In the event of translation into another language, the French version prevails in case of contradiction.