Investment Policy
Last updated: 11 March 2026
This Policy explains how investments offered through the REO Platform are presented and administered.
1. Investment pathways and documentation
Investments made available through the Platform are administered under the relevant investment documentation for that offer.
- Retail investors (Australia): offers are made under a Product Disclosure Statement (PDS) and accompanied, where required, by a Target Market Determination (TMD).
- Wholesale or professional investors (Australia): offers may be made under an Information Memorandum (IM) or other applicable offer document, subject to the relevant wholesale or professional investor criteria.
Any online form, signature, acknowledgement, or submission made through the Platform is treated as an expression of interest, reservation, consent, or application step only, unless expressly stated otherwise in the relevant investment documents.
2. Eligibility and verification
We may verify identity, source of funds, residency, investor status, and other eligibility requirements before accepting or processing an investment. Applications may be declined or held where eligibility or verification requirements are not met.
3. Investment term and schedule
Each investment opportunity has its own target term, project window, and return profile as disclosed on the relevant case page and in the applicable investment documents.
Where project timing is affected by operational, logistical, technical, environmental, regulatory, supply, or market factors, timing may change. Any timing shown is indicative unless expressly stated otherwise in the governing investment documents.
4. Application monies and holding arrangements
Application monies may be received, held, reconciled, and processed in accordance with the relevant offer structure, internal controls, and applicable administrative requirements pending acceptance, allocation, or return.
5. Payment methods
Investments may be funded using payment methods we make available for the relevant offer, including bank transfer and approved digital asset payment methods where offered.
- Bank transfer instructions must be followed exactly, including payment references.
- Bank transfer payments are credited after reconciliation and admin approval.
- Digital asset payments, where accepted, are arranged per transaction using the payment details issued for that application.
- Crypto deposits and withdrawals are charged at 0% by REO.
- Any third-party network fees, exchange fees, wallet fees, or bank charges imposed by your own provider remain your responsibility.
6. Fees and costs
Fees applicable to a particular investment are disclosed on the relevant case page and/or in the governing investment documents.
Unless otherwise stated for a specific offer:
- Management fee: 3% of principal per term, deducted from principal at maturity.
- This management fee does not apply to profits unless expressly stated otherwise in the governing documents for a specific offer.
7. Returns and risk
Any projected, estimated, target, or indicative return shown on the Platform is not guaranteed. Investments involve risk, and the relevant investment documents set out the main risks and considerations applicable to each offer.
8. Reinvestment
Where offered, investors may choose to reinvest proceeds, returns, or available balances into a new project or lot. Any reinvestment is treated as a new allocation and will be governed by the terms and documents applicable at the time of that new allocation.
9. Reporting and communications
We may provide confirmations, account updates, allocation notices, project updates, maturity summaries, and related communications electronically through the Platform, by email, or by other approved digital means.
10. Withdrawals and maturity
Withdrawal availability, maturity treatment, and any distribution mechanics depend on the structure of the relevant offer and are governed by the applicable project terms and investment documents.
11. Cooling-off
Where a statutory cooling-off right applies to a retail investment under Australian law, it will apply in accordance with the relevant legislation and the applicable PDS. Cooling-off rights do not apply where excluded by law or where the investor participates as a wholesale or professional investor.
12. Conflicts and related-party matters
We manage conflicts of interest through internal controls and disclosures in the relevant investment documents where required.
13. Complaints
Questions or complaints may be directed to support@reoptyltd.com. Where a relevant investment document sets out a specific complaints process, that process will apply to that investment.