Investment Disclosures
⚠️ Important Risk Warning
Investing in startups and early-stage businesses involves substantial risk of loss and is suitable only for persons who can afford to lose their entire investment. You should not invest more than you can afford to lose.
General Investment Risks
Loss of Capital Risk
You may lose some or all of your investment. Startups and early-stage companies have high failure rates, and there is no guarantee that you will receive any return on your investment or recover your initial capital.
Liquidity Risk
Investments in private companies are highly illiquid. There is no established secondary market for these securities, and you may not be able to sell your investment when you want to or at a favorable price.
Dilution Risk
Your ownership percentage may be reduced in future funding rounds as companies issue additional shares to new investors, potentially diminishing the value of your investment.
Platform-Specific Risks
Technology Risk
BantuHive's platform relies on technology systems that may experience downtime, security breaches, or technical failures that could affect your ability to access your account or execute transactions.
Regulatory Risk
Changes in securities laws or regulations in Ghana or other jurisdictions may affect the operation of the platform or the value of your investments.
Crowdfunding Risk
Crowdfunding investments are speculative and may not be suitable for all investors. Limited information may be available about the companies you invest in compared to publicly traded companies.
Investor Eligibility & Suitability
Before Investing, Consider Whether:
- ✓ You can afford to lose your entire investment
- ✓ You understand that returns are not guaranteed
- ✓ You can commit funds for an extended period (typically 5-10 years)
- ✓ You have sufficient liquidity in other investments
- ✓ You understand the risks of early-stage investing
- ✓ This investment fits your overall investment strategy
Due Diligence Limitations
While BantuHive conducts basic verification of companies on the platform, we do not guarantee the accuracy or completeness of information provided by issuers. Investors are responsible for conducting their own due diligence.
Information Limitations
- Financial projections are estimates and may not be achieved
- Past performance does not guarantee future results
- Company valuations may be subjective or optimistic
- Management experience may be limited
- Market assumptions may prove incorrect
Fees & Charges
Investor Fees
- • Platform fee: 2% of investment amount
- • Payment processing: 1.5% per transaction
- • Currency conversion: 0.5% (for diaspora investors)
- • Account maintenance: Free
- • Exit fees: 1% of proceeds (equity investments only)
Issuer Fees
- • Listing fee: 1% of target raise
- • Success fee: 5% of funds raised
- • Due diligence: GHS 2,000 - 10,000
- • Legal documentation: GHS 5,000 - 15,000
- • Ongoing reporting: GHS 500/quarter
Tax Implications
Tax Advisory Notice
Tax treatment of investments through BantuHive depends on your individual circumstances and may change. You should consult with a qualified tax advisor regarding the tax implications of your investments.
Potential Tax Obligations
- Capital gains tax on profitable exits (may qualify for reduced rates)
- Income tax on dividends received
- Withholding tax for non-resident investors
- Currency gains/losses for diaspora investors
- Annual reporting requirements to Ghana Revenue Authority
Investor Protections
Legal Protections
- All investments governed by Ghanaian law
- Standardized investment documentation
- Regular reporting requirements for issuers
- Dispute resolution mechanisms
- SEC Ghana oversight and regulation
Platform Protections
- Segregated client money accounts
- Professional indemnity insurance
- Cyber security measures and data protection
- Annual independent audits
- Investor complaint resolution process
Important Notices
Not Investment Advice: Information on this platform does not constitute investment advice. All investment decisions are your responsibility.
Forward-Looking Statements: Any projections or forecasts are estimates only and should not be relied upon as fact.
Cooling-Off Period: You have 48 hours to cancel any investment after commitment.
Regular Updates: This disclosure document is updated quarterly. Please review the latest version before investing.
Last Updated: January 2025 | Document Version: 1.0