Terms of Service

Effective Date: February 5, 2026 · Version 3.0

1. Acceptance of Terms

By accessing or using the Squire Invest platform ("Platform"), operated by Squire Coin, a Delaware Limited Liability Company ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you may not access or use the Platform.

2. Eligibility

You must be at least 18 years of age (or the legal age of majority in your jurisdiction if higher) and legally capable of entering into binding contracts. By using the Platform, you represent and warrant that you meet these requirements and that your use complies with all applicable laws and regulations. You must not be located in or a resident of a Prohibited Jurisdiction (see Section 3), and must not appear on any sanctions or restricted parties lists (OFAC, UN, EU, or equivalent).

3. Prohibited Jurisdictions

The Platform is not available to users in the following jurisdictions, in compliance with applicable sanctions laws:

  • Cuba
  • Iran
  • North Korea (Democratic People's Republic of Korea)
  • Syria
  • Crimea, Donetsk People's Republic (DPR), and Luhansk People's Republic (LPR) regions of Ukraine

Access from any jurisdiction subject to comprehensive U.S., UN, or EU sanctions is prohibited. Use of VPNs, proxies, or other tools to circumvent geographic restrictions is a violation of these Terms and may result in immediate account termination.

4. Account Registration

To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account credentials secure. You are responsible for all activity under your account. Notify us immediately at security@squirecoin.com if you suspect unauthorized access.

5. KYC and Identity Verification

The Platform uses a tiered Know Your Customer (KYC) verification system. Your verification tier determines the transaction limits available to you:

  • Tier 1 (Minimal) — Basic identity check for transactions under $1,000 lifetime
  • Tier 2 (Basic) — Government ID and selfie verification for transactions up to $100,000 lifetime
  • Tier 3 (Enhanced) — Additional proof of address and source of funds documentation for higher limits
  • Tier 4 (Premium) — Comprehensive due diligence for institutional or high-volume participants, including accredited investor verification where applicable

You agree to provide requested identity documents and understand that verification processing times vary by tier. We reserve the right to restrict account functionality until verification is complete. KYC records are retained for a minimum of 5 years after account closure as required by anti-money laundering regulations.

6. SQR Tokens

The Platform operates using SQR utility tokens. SQR tokens are functional utility tokens that provide access to Platform features and services. SQR tokens are not securities, investment contracts, or any form of equity or ownership interest in Squire Coin. Token holders have no ownership, equity, or profit-sharing rights in the Company.

The Platform operates on a self-custody model. You are solely responsible for securing your private keys and wallet credentials. Lost private keys cannot be recovered by the Company, and the Company cannot reverse blockchain transactions once confirmed.

7. Investment Activities

Squire Invest facilitates fractional ownership of real-world assets across seven categories: Real Estate, Commercial Vehicles, Agriculture, Timber, Digital Assets, Infrastructure, and Inventory. All investments carry risk, including the potential loss of your entire investment. Past performance does not guarantee future results. See our Risk Disclosure for full details.

Investment Rules

  • Minimum investment: 100 SQR per asset
  • Maximum investment: 25% of any single asset's funding goal
  • Funding periods: 14 to 90 days per asset
  • Minimum funding threshold: 80% of goal (if not reached, funds are returned to investors)
  • All investments are processed on-chain and are irreversible once the funding period concludes

Milestones and Escrow

Asset funding is released to managers through a milestone-based escrow system. Each asset has 2 to 12 milestones, each representing 5% to 50% of total funding. Milestones exceeding 10% of total funding require approval from the Investor Advisory Committee (IAC). Managers have a 14-day grace period for late milestone submissions.

Dividends

Dividend distributions are subject to a 5% reserve maintained for contingencies. A minimum distribution of 1 SQR per investor per period applies. Unclaimed dividends expire 365 days from the distribution date.

8. Asset Manager Terms

Asset managers operate under a tiered system with staking requirements that serve as investor protection:

  • Emerging — Up to 2 concurrent assets, max 500,000 SQR per asset
  • Established — Up to 5 concurrent assets, max 2,000,000 SQR per asset
  • Professional — Up to 10 concurrent assets, max 10,000,000 SQR per asset
  • Institutional — Up to 25 concurrent assets, max 50,000,000 SQR per asset

Manager stakes are subject to slashing for violations: 10% for first failed milestone, 25% for repeated failures, 50% for asset abandonment, and 100% for fraud. A 90-day cooldown period is imposed after any slashing event. Fraud results in permanent ban and referral to legal authorities.

9. Fees and Charges

The following fees apply to investment activities on the Platform:

  • Platform fee: 0.5% on all investments at the time of investment
  • Management fee: 1.5% annually, deducted from asset revenue
  • Performance fee: 20% carried interest (30% of which is escrowed until asset completion)
  • Dividend payout fee: 0.25%
  • Asset verification fee: 1,000 SQR per asset

Blockchain network (gas) fees are separate and paid directly to network validators. Fee schedules may change with prior notice. Fee governance is subject to DAO oversight.

10. Prohibited Activities

You agree not to:

  • Use the Platform for money laundering, terrorist financing, fraud, or other illegal activities
  • Circumvent KYC, AML, or geographic restriction procedures
  • Attempt to gain unauthorized access to Platform systems or smart contracts
  • Manipulate markets or engage in deceptive trading practices
  • Use bots or automated tools without authorization
  • Infringe on intellectual property rights
  • Create multiple accounts to evade transaction limits or sanctions screening

11. Intellectual Property

All content, features, and functionality of the Platform are owned by the Company and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform for its intended purpose.

12. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform or any investments made through it. This includes, without limitation, losses from market volatility, smart contract vulnerabilities, blockchain network failures, or cross-chain bridge operations. Our total liability shall not exceed the fees paid by you to the Platform in the twelve months preceding the claim. Losses from market volatility are not refundable.

13. Termination

We may suspend or terminate your account at our discretion if we believe you have violated these Terms or applicable law. Upon termination, your right to use the Platform ceases immediately, though provisions that by their nature should survive will remain in effect. Existing investment positions and pending dividend claims will be handled in accordance with the applicable asset terms.

14. Dispute Resolution and Arbitration

Any dispute arising from these Terms or your use of the Platform shall first be subject to informal resolution. If informal resolution fails, disputes shall be resolved through binding arbitration. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration. Investment-related disputes may be subject to the Platform's internal dispute resolution process, including mediation (14 days) and arbitration (30 days) phases overseen by the Investor Advisory Committee.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. You consent to the jurisdiction of the state and federal courts located in Delaware for any proceedings not subject to arbitration.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via the Platform or email at least 30 days before taking effect. Your continued use after changes take effect constitutes acceptance of the revised Terms.

17. Contact

For questions about these Terms:

  • Legal inquiries: legal@squirecoin.com
  • General support: support@squirecoin.com
  • Security concerns: security@squirecoin.com

See also our Privacy Policy and Risk Disclosure.