Terms & Conditions.

These Buyer Platform Terms & Conditions (“Terms”) govern access to and use of the Okava platform, including all websites, mobile applications, services, tools, dashboards, communications, transaction facilitation systems, verification systems, construction tracking systems, mortgage facilitation services, escrow coordination services, and related technologies operated under the Okava brand.

By accessing, registering for, browsing, reserving a property through, or otherwise using the Okava platform, you (“Buyer”, “User”, “you”, or “your”) agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not use the platform.

Okava is a global property technology and transaction facilitation platform operated through locally licensed operating entities in various jurisdictions.

The Okava platform, technology infrastructure, software systems, intellectual property, workflows, verification systems, construction tracking systems, and related services are owned and managed by:

In various jurisdictions, Okava may operate through locally incorporated subsidiaries, affiliates, franchisees, licensed operators, strategic partners, or authorised representatives registered under applicable local laws and regulations.

Such local operating entities operate under a technology and intellectual property licence from Okava Technologies Limited.

References in these Terms to “Okava”, “we”, “us”, or “our” include Okava Technologies Limited together with any applicable local operating entity responsible for providing services within the relevant jurisdiction.

Okava is primarily a:

• Property technology platform;
• Property discovery platform;
• Reservation facilitation platform;
• Transaction coordination platform;
• Property verification platform;
• Construction transparency platform;
• Mortgage facilitation platform;
• Buyer support and workflow platform.

Okava is not:

• A bank;
• A mortgage lender;
• A law firm;
• A conveyancing practice;
• A registered estate agency unless specifically stated;
• An insurer;
• A deposit-taking institution;
• A construction company;
• A developer.

Third-party services accessible through Okava remain the responsibility of those respective providers.

To use the platform, you must:

• Be at least 18 years old;
• Have legal capacity to enter binding agreements;
• Provide accurate information;
• Use the platform lawfully.

Okava reserves the right to refuse access or suspend accounts at its discretion.

5.1 Registration

Users may be required to create an account to access certain platform features.

During registration, you may be required to provide:

• Full legal name;
• Contact information;
• Nationality;
• Country of residence;
• Identity documentation;
• Proof of address;
• Source of funds information;
• Financial information;
• Employment information;
• Additional verification documents.

5.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your credentials;
• All activity conducted through your account;
• Ensuring your login details remain secure.

You must notify Okava immediately if unauthorised access is suspected.

Okava may conduct:

• Identity verification;
• KYC checks;
• Source of funds checks;
• Sanctions screening;
• Politically Exposed Person screening;
• Fraud prevention checks;
• Affordability assessments.

Okava may request additional documentation at any time.

Failure to provide requested documentation may result in:

• Suspension;
• Delayed transactions;
• Reservation cancellation;
• Account termination.

Property listings may include:

• Images;
• Videos;
• Drone footage;
• Floor plans;
• Measurements;
• Pricing;
• Specifications;
• Estimated timelines;
• Construction updates;
• Location information.

Such information is provided for general informational purposes only.

Okava does not guarantee:

• Accuracy;
• Completeness;
• Availability;
• Investment performance;
• Property suitability.

Buyers remain responsible for independent due diligence.

Okava may conduct verification procedures on developers, projects, or properties.

Verification may include:

• Company registration checks;
• Identity checks;
• Site inspections;
• Project documentation reviews;
• Regulatory checks;
• Construction progress assessments.

Verification does not:

• Guarantee project completion;
• Guarantee solvency;
• Guarantee title;
• Guarantee quality;
• Eliminate transaction risk.

All investments and purchases remain subject to inherent risks.

Property reservations are governed by separate Reservation Terms & Conditions.

A reservation:

• Temporarily reserves a Property;
• Does not transfer ownership;
• Does not constitute transfer of title;
• Does not guarantee financing approval.

Reservation Fees may be non-refundable unless otherwise stated.

Okava may facilitate access to:

• Mortgage providers;
• Financing partners;
• Affordability tools;
• Loan pre-assessments.

Mortgage approvals remain solely subject to lender requirements.

Okava does not guarantee:

• Approval;
• Interest rates;
• Loan terms;
• Financing availability.

Okava may provide:

• Construction milestone tracking;
• Site progress updates;
• Images and videos;
• Drone footage;
• Progress notifications;
• Project dashboards.

Such information is provided for transparency purposes only and does not constitute:

• Engineering certification;
• Construction warranties;
• Legal guarantees.

Construction timelines remain estimates only.

Where applicable:

• Funds may be handled by escrow providers, legal practitioners, trust accounts, banks, payment providers, or regulated third parties.

Okava is not a bank or deposit-taking institution unless expressly stated otherwise.

Separate escrow or payment terms may apply.

Okava may receive:

• Commissions;
• Referral fees;
• Success fees;
• Technology fees;
• Marketing fees;
• Facilitation fees;
• Service fees

from developers, lenders, insurers, legal firms, service providers, and other transaction participants.

Such arrangements do not constitute endorsements or guarantees.

Users agree not to:

• Provide false information;
• Misuse the platform;
• Attempt unauthorised access;
• Interfere with platform operations;
• Engage in fraudulent conduct;
• Violate laws or regulations;
• Circumvent platform processes;
• Upload malicious software or content.

Okava reserves the right to suspend or terminate accounts for violations.

By using the platform, you consent to receive:

• Emails;
• SMS messages;
• WhatsApp communications;
• Push notifications;
• Transaction updates;
• Marketing communications;
• Verification requests.

You may opt out of marketing communications where permitted by law.

Okava may collect, process, store, and share personal information with:

• Developers;
• Lawyers;
• Mortgage lenders;
• Insurers;
• Regulators;
• Verification providers;
• Service providers;
• Payment providers.

Data processing shall occur in accordance with applicable privacy and data protection laws.

Cross-border data transfers may occur where necessary.

The platform may integrate with third-party providers including:

• Mortgage lenders;
• Developers;
• Legal firms;
• Payment gateways;
• Insurers;
• Mapping providers;
• Identity verification services.

Okava is not responsible for third-party services, products, actions, delays, or failures.

All platform technology, software, branding, workflows, dashboards, content, verification systems, designs, graphics, and intellectual property remain the exclusive property of Okava Technologies Limited and/or its licensors.

Users may not:

• Copy;
• Modify;
• Reverse engineer;
• Reproduce;
• Redistribute;
• Commercially exploit

any platform content without written consent.

Okava does not guarantee uninterrupted access to the platform.

The platform may be unavailable due to:

• Maintenance;
• System upgrades;
• Third-party failures;
• Cybersecurity incidents;
• Connectivity disruptions;
• Force majeure events.

Features may be modified, suspended, or discontinued at any time.

To the fullest extent permitted by law:

• Okava shall not be liable for indirect, incidental, consequential, or special damages;
• Okava shall not be liable for developer defaults, construction failures, title disputes, financing failures, or investment losses;
• Okava’s total liability shall not exceed fees directly received by Okava from the User in connection with the relevant transaction.

Property transactions involve substantial financial risk.

Users agree to indemnify and hold harmless Okava, its affiliates, officers, employees, contractors, partners, licensors, and representatives against claims arising from:

• Breach of these Terms;
• Fraudulent conduct;
• Misuse of the platform;
• Violation of laws;
• Disputes with third parties.

Okava shall not be liable for delays or failures caused by events beyond reasonable control including:

• Natural disasters;
• Civil unrest;
• Government restrictions;
• Currency instability;
• Banking disruptions;
• Pandemics;
• Utility outages;
• Internet failures;
• Cybersecurity incidents.

Okava may suspend or terminate accounts where:

• Fraud is suspected;
• Compliance concerns arise;
• False information is submitted;
• Platform misuse occurs;
• Regulatory obligations require action.

Termination does not eliminate obligations already incurred.

These Terms shall be governed by the laws of the applicable jurisdiction in which the relevant operating entity or transaction is based unless otherwise specified.

Cross-border transactions may additionally be subject to other legal and regulatory requirements.

Parties shall first attempt amicable resolution.

Failing resolution:

• Disputes may be referred to mediation;
• Thereafter to arbitration or courts of competent jurisdiction.

Nothing prevents urgent applications for injunctive relief.

The User agrees that:

• Electronic signatures;
• Tick-box acceptances;
• OTP confirmations;
• Digital acknowledgements;
• Email confirmations

constitute legally binding acceptance of these Terms.

Okava reserves the right to modify these Terms at any time.

Updated Terms may be published on the platform.

Continued use of the platform constitutes acceptance of revised Terms.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain fully enforceable.

By using the Okava platform, the User confirms that they:

• Have read and understood these Terms;
• Understand the risks associated with property transactions;
• Accept Okava’s role as a facilitation and technology platform;
• Agree to use the platform subject to these Terms.