Terms of Service

Last Updated: July 3, 2026

These Terms of Service ("Terms") govern your access to and use of sbf.fivetoclose.cloud and any related services, communications, or fund participation offered by FiveToClose ("we," "us," or "our") in connection with SBF FTC (the "Fund").

By accessing the site, depositing cryptocurrency, or engaging with Fund materials, you agree to these Terms, our Privacy Policy, and our Disclaimer. If you do not agree, do not use the site or deposit funds.

Eligibility — Accredited Investors

You must be at least 18 years old, legally competent to contract, and an accredited investor under applicable U.S. securities laws to participate. By depositing or requesting allocation, you represent and warrant that you meet accreditation requirements and are not relying on this site for suitability analysis tailored to your circumstances.

Nature of the Service

The site provides information about a private fund strategy that accepts on-chain cryptocurrency deposits, converts them to fiat or stable value where appropriate, and deploys capital into hard assets including real estate, gold, silver, and related tangible holdings. Site content is not a complete offering memorandum, private placement memorandum, or subscription agreement.

Formal fund terms — including fees, minimums, voting rights, waterfall provisions, and tax treatment — are governed by definitive fund documents delivered separately. In the event of conflict, executed fund documents control.

Deposits & Crediting

• You are solely responsible for sending the correct asset on the correct network, including required destination tags or memos (e.g., XRP).
• Deposits are credited after sufficient on-chain confirmations and internal reconciliation.
• We may refuse or return deposits that appear fraudulent, sanctioned, non-accredited, or inconsistent with fund policy.
• Published wallet addresses may be rotated for security; always use addresses shown on the live site at time of transfer.

Fund Phases

Capital participates in three disclosed phases published on the site and in pool-status.json:

• Phase I — Accumulation: Deposits are credited on-chain and held in treasury while the pool advances toward a published deployment threshold. No distributions are paid during Phase I. No interest or yield is promised on undeployed crypto.
• Phase II — Deployment: When the threshold is met, capital is converted and deployed into hard assets (e.g., income-producing real estate, commercial property, gold, silver, land). Investors receive deployment notice when a deal closes.
• Phase III — Income: After deployment, the Fund's target policy is quarterly distributions from income-producing holdings. Distributions are not guaranteed.

Deployment Threshold & Refund Policy

The site publishes a deployment threshold, deadline, and live pool progress. If the threshold is not met by the stated deadline, credited Phase I allocations are handled per published policy — typically pro-rata return of the original cryptocurrency (minus disclosed network and administrative fees), unless investors approve a documented extension of the pooling period. See live terms on the homepage pool panel.

Lock-Up Period & Divestment

Unless otherwise stated in your executed fund documents, a minimum hold period of 90–120 days applies from the date your deposit is credited before you may submit a divestment or redemption request. Divestment is subject to fund liquidity, asset sale timelines, gate provisions, and manager discretion. No guaranteed liquidity is promised on the site.

Distributions

References to quarterly distributions apply only after Phase III and describe the Fund's intended policy of paying investors from income-producing holdings. No distributions are owed during Phase I or Phase II. Distribution amounts, timing, and eligibility are determined by fund performance, cash flow, reserves, and governing documents. Distributions may be reduced, suspended, or discontinued.

Prohibited Conduct

You agree not to:

• Use the site for money laundering, sanctions evasion, or illegal activity
• Provide false accreditation or identity information
• Attempt to hack, scrape, disrupt, or reverse-engineer the site
• Misrepresent affiliation with SBF FTC or FiveToClose
• Circumvent lock-up, transfer restrictions, or investor eligibility rules

Intellectual Property

All site content, branding, copy, logos, and materials are owned by FiveToClose or licensors and protected by intellectual property laws. No rights are granted except limited personal viewing for evaluation purposes.

Disclaimers

THE SITE AND ALL FUND-RELATED MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. SEE OUR DISCLAIMER FOR FULL INVESTMENT RISK DISCLOSURES.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIVETOCLOSE AND ITS PERSONNEL SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST CRYPTO, OR LOST INVESTMENT VALUE, ARISING FROM YOUR USE OF THE SITE OR PARTICIPATION IN THE FUND.

OUR AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SITE SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US IN SERVICE FEES IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100), EXCEPT WHERE PROHIBITED BY LAW.

Indemnification

You agree to indemnify and hold harmless FiveToClose from claims arising from your breach of these Terms, misrepresentation of accredited status, improper on-chain transfers, or violation of applicable law.

Governing Law & Disputes

These Terms are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-law rules. Disputes shall be resolved in state or federal courts located in Florida, and you consent to personal jurisdiction there.

Before initiating formal proceedings, contact support@fivetoclose.cloud and allow thirty (30) days for informal resolution.

Changes

We may revise these Terms at any time. Updated Terms are effective when posted with a new "Last Updated" date. Continued use or additional deposits after posting constitute acceptance.

Contact

Email: support@fivetoclose.cloud
Site: sbf.fivetoclose.cloud