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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

Important Investment Notice

IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. INVESTMENTS ON BANTUHIVE ARE SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.

www.BantuHive.com is a website owned and operated by BantuHive LLC ("BantuHive").

Securities offered on BantuHive are regulated by the Securities and Exchange Commission, Ghana (SEC Ghana)

All investment opportunities on this platform comply with SEC Ghana regulations and have undergone proper regulatory review. BantuHive operates under the supervision and guidelines set forth by SEC Ghana to ensure compliance with securities laws and investor protection standards.

BantuHive conducts thorough due diligence and verification of all information provided by issuers. We verify the adequacy, accuracy, and completeness of offering materials to maintain the highest standards of transparency and investor protection. However, investors should conduct their own independent research and consult with financial advisors before making any investment decisions.

Investing in private securities involves significant risks and is not suitable for all investors. These investments are highly speculative, illiquid, and carry a high degree of risk, including the potential loss of your entire investment. You should only invest capital that you can afford to lose completely.

Private company securities typically lack an established secondary market, BantuHive does not offer a secondary market for liquidity at the moment. Each investment opportunity carries unique risks specific to the company, industry, and market conditions. Prospective investors should carefully review all offering documents and seek professional advice.

By accessing this site and any pages herein, you acknowledge and agree to be bound by our Terms of Use and Privacy Policy, which may be updated periodically without prior notice.

International Investors

Investment opportunities are offered in compliance with Ghana securities regulations and African market standards. International investors are responsible for ensuring that their participation complies with the laws and regulations of their country of residence. We strongly recommend consulting with legal, tax, and financial advisors in your jurisdiction before investing.

For additional information or customer support, please contact us at contact@bantuhive.com.