Investment Program Terms & Conditions

Important Disclaimer

NO GUARANTEES: All returns are projections based on current market conditions and business plans. Actual returns may vary significantly. Past performance does not guarantee future results.

1. Investment Program Overview

The Worms for Gold Investment Program allows qualified investors to purchase investment lots in our composting location operations. Investors receive 20% of the location's revenue share for a 5-year period, subject to the terms and conditions outlined below.

2. Projections and Disclaimers

Projection Disclaimers

  • • All ROI projections (20-95%) are estimates based on current business models and market conditions
  • • Projections assume successful client acquisition and operational efficiency
  • • Actual returns may be significantly lower than projected returns
  • • No guarantee of achieving projected revenue or profitability
  • • Business operations may face unforeseen challenges affecting returns
  • • Revenue sharing is proportional to investment amount within the $88K pool

3. Investment Terms and Review Process

Investment Review and Approval

• All investments are subject to review before final acceptance

• Company reserves the right to approve or reject any investment

• Review process includes investor verification and compliance checks

• Payment processing does not guarantee investment acceptance

• Rejected investments will be refunded in full within 5 business days

Investment Period

• Investment period: 5 years from the date of investment

• Revenue sharing begins when location reaches operational targets

• No early withdrawal or refund options available

• At 5-year mark: Company may buy out original investment or extend program at discretion

Revenue Sharing

• Investors receive 20% of the location's revenue share

• Payouts are made monthly after operating costs are deducted

• Payouts only occur when revenue targets are met

• No minimum payout guarantees

Revenue Sharing Calculation

• Total investment pool: $88,000 (100% of investor equity)

• Your investment percentage: Your amount ÷ $88,000

• Facility revenue: $300K-600K annually

• Investor share: 20% of facility revenue

• Your monthly return: (Investor Share × Your %) ÷ 12

• Example: $1K investment = 1.14% equity = $76/month (at $400K facility revenue)

Tier System

• Base operations: 20-68% projected ROI

• Value-added products tier (+$15K): 35-85% projected ROI

• Full automation tier (+$75K): 45-95% projected ROI

• Tier benefits apply to all investors when targets are reached

4. No Refund Policy

Investment Policy: No Refunds

  • • All investments are final and non-refundable
  • • Investment amounts are used for business operations and equipment
  • • No refunds for changes in business strategy or market conditions
  • • This policy applies regardless of business performance
  • • By investing, you agree to this no-refund policy

5. Revenue Transparency and Privacy

Revenue Reporting

• Monthly revenue reports will be provided to investors

• Reports include location performance and payout calculations

• Revenue data is confidential and for investor use only

Privacy Requirements

• Revenue information is private and confidential

• Investors may not share revenue data with third parties

• Violation of privacy terms may result in investment termination

• Revenue data is provided for transparency, not public disclosure

6. 5-Year Investment Program

Program Duration

• Investment period: 5 years from the date of investment

• Revenue sharing: 20% of location revenue for full 5-year period

• Monthly payouts continue throughout the 5-year term

End of Term Options

• Company may buy out original investment amount

• Company may extend the program for additional periods

• Company discretion determines buyout vs. extension

• Investors will be notified of decision 90 days before term end

7. Payout System

Stripe Connect Integration

• All payouts are processed through Stripe Connect

• Investors must provide verified Stripe account information

• Payouts are made directly to investor Stripe accounts

• Stripe handles all payment processing and compliance

Payout Schedule

• Payouts begin when revenue targets are met

• Monthly payouts are processed within 15 days of month end

• Payouts are calculated based on actual revenue performance

• No payouts if revenue targets are not achieved

• 5-year program with potential buyout or extension options

8. Risk Factors

Investment Risk Factors

  • • Business performance may not meet projected revenue targets
  • • Market conditions and competition may affect profitability
  • • Operational challenges may impact payout timing or amounts
  • • Regulatory or economic changes may affect business operations
  • • Client demand may vary based on market conditions
  • • Investment returns are not guaranteed and may be lower than projected

9. Investor Qualifications and Responsibilities

Investor Qualifications

  • Must be 18 years or older and legally competent
  • Must provide valid government-issued identification
  • Must have verified Stripe account with valid payment method
  • Must pass company compliance and background checks
  • Must not be on any sanctions or restricted persons lists
  • Must provide accurate contact and financial information

Investor Responsibilities

  • Provide accurate and verified Stripe account information
  • Maintain confidentiality of revenue and business information
  • Understand that investments are non-refundable after approval
  • Accept that returns are projections, not guarantees
  • Acknowledge that payouts depend on business performance
  • Comply with all applicable tax reporting requirements
  • Cooperate with company review and verification processes

10. Company Responsibilities

Investment Review and Compliance

  • Review all investment applications within 3-5 business days
  • Conduct investor verification and compliance checks
  • Verify investor identity and eligibility
  • Ensure compliance with applicable laws and regulations
  • Provide clear communication regarding approval or rejection
  • Process refunds for rejected investments within 5 business days

Ongoing Operations

  • Provide transparent monthly revenue reporting
  • Process payouts through Stripe Connect when targets are met
  • Maintain business operations to maximize revenue potential
  • Provide investor support and communication
  • Comply with all applicable business and tax regulations

11. Dispute Resolution and Arbitration

Mandatory Arbitration

• All disputes must be resolved through binding arbitration in Kirkland, Washington

• Arbitration will be conducted by a single arbitrator

• Investors waive any right to jury trial or class action

• Arbitration proceedings are confidential

• Each party bears their own costs and attorneys' fees

Limitation of Liability

• Company's maximum liability limited to original investment amount

• No liability for indirect, incidental, or consequential damages

• No liability for lost profits or business interruption

• Force majeure events may suspend or terminate program

12. Legal and Compliance

Investment Status

• This investment program is not a registered security

• Not regulated by SEC or state securities laws

• Investors are responsible for their own tax obligations

• No guarantee of investment returns or principal protection

Company Rights

• Company reserves the right to modify terms with notice

• Company may suspend or terminate program at discretion

• Company may transfer or assign rights and obligations

• Continued participation constitutes acceptance of modified terms

Governing Law

• Governing law: Washington State

• Jurisdiction: Kirkland, Washington

• Venue for all disputes: Kirkland, Washington

13. Investor Acknowledgments and Agreements

Important: Investment Terms and Dispute Resolution

By participating in this investment program, you acknowledge and agree to the following terms:

  • • Investment returns are projections based on current business plans and market conditions
  • • You understand that actual returns may differ from projections
  • • You accept the investment risks outlined in these terms
  • • Disputes will be resolved through binding arbitration in Kirkland, Washington
  • • Company liability is limited to the original investment amount
  • • You agree to the no-refund policy and program terms

Contact Information

For questions about these terms or the investment program, please contact us at investments@wormsforgold.com