1. Documentation & pathways

• Retail clients (Australia): Investments are offered by Product Disclosure Statement (PDS). We also publish a Target Market Determination (TMD) for each retail product.
• Wholesale/professional investors (Australia): Offers proceed under an Information Memorandum (IM) and applicable Corporations Act wholesale criteria (e.g., qualified accountant’s certificate).
• Your on-site signature is a reservation & consent only. We provide the PDS/IM by email for acknowledgement before payment.

2. Eligibility & KYC

We verify identity and (where relevant) wholesale status before issuing any interest or making payments. We may decline or cancel applications that do not meet eligibility or KYC requirements.

3. Application monies & trust handling

Application monies are received into an Application Monies Trust/Suspense Account and held on trust pending issue or refund. No interests are issued, and no distributions/withdrawals occur until KYC is completed and allocation is confirmed. If KYC/eligibility fails or times out, funds are returned to the remitting account (less unavoidable bank fees).

4. Crypto payments (optional)

After KYC, you may pay in crypto (e.g., USDT/USDC on TRC20/TON/ERC20, or BTC). Your AUD credit is calculated using the Independent Reserve spot rate (or another top-tier Australian exchange if unavailable) at the time the transaction reaches 3 confirmations on the relevant network. We convert to AUD and deposit to the trust account by the next business day. Where allocation cannot proceed, refunds are made to the originating address (less network/FX fees).

5. Fees & costs

Fees (if any) are disclosed in the relevant PDS/IM and may include administration/management, performance-based amounts (if applicable), and cost-recovery on early withdrawals (if permitted). Any crypto conversion/network fees are passed through as disclosed in your confirmation.

6. Returns & risks

Any return figures are targets, not guarantees. Capital is at risk. Material risks (e.g., construction, market, counterparty, liquidity, operational) are set out in the PDS/IM and, for retail, summarised in the TMD.

7. Liquidity & withdrawals

Liquidity rules (including any notice periods or early-exit settings) are described in the PDS/IM for each package. Where early withdrawals are not available, capital is generally targeted to be returned at term.

8. Reporting & communications

We provide allocation confirmations, periodic updates, and a closing statement at term. Documents may be delivered electronically.

9. Cooling-off (retail)

If you invest as a retail client under a PDS, a 14-day cooling-off right may apply (as described in the PDS). Cooling-off does not apply to wholesale/professional investors.

10. Conflicts & related parties

We manage conflicts through internal controls and disclosures in the PDS/IM, and seek investor consent where required.

11. Complaints

Contact support@reoptyltd.com. Where applicable to retail clients, we follow our internal process and you may escalate to AFCA as stated in the PDS.