Investor Protection Charter

What we commit to

1. Every investment listing has been verified by a named lawyer. Before

any project appears on the marketplace, a member of our Legal Department completes a 24-item verification checklist covering title, corporate registration, planning approval, tax standing, source of funds, and securities compliance. The reviewer's name is in your audit log.

1. **Every investment listing has been approved by a named State

Coordinator.** After Legal clearance, an independent State Coordinator verifies technical viability, financial structure, and milestone credibility. Two unrelated specialists must agree before a project goes live.

1. Your money is held in escrow, and YOU release it. Funds move from

escrow to the developer only when every committed investor votes to approve the milestone. The developer uploads photos, sign-off sheets, drone footage and an inspection report; you review the evidence and click Approve, Reject, or Abstain. If you reject, the funds remain in escrow until the developer addresses your concerns. The default policy is unanimous approval — one reject = no release. Where an investor goes silent past the voting window (default 10 business days), the State Coordinator mediates. Every vote is MFA-protected and audit-logged. Every vote is anchored to a SHA-256 hash of the evidence pack — if the developer swaps a photo, your vote is automatically invalidated and you are asked to review again. The developer NEVER sees who voted what, only the aggregate tally.

1. You can always see who is accountable. Every approval decision is

permanently audit-logged with the named reviewer, the time, and the rationale. We do not allow anonymous approvals.

1. You get the substitute mechanism. If you cannot meet a payment,

you may invite a supporter to fund your slot. The platform creates a separate profile for the supporter and settles separately at harvest, so neither party is exposed to the other's solvency.

What we cannot guarantee

1. Returns. Construction projects carry market, execution, and

regulatory risk. Our verification confirms the project is legal and the developer is real. It does not guarantee profitability.

1. Speed. Government authority delays (LASBCA, FCDA, state lands

bureaus) are outside our control. We will keep you informed.

1. Force-majeure events. Acts of God, civil disturbance, and similar

events are excluded from our platform guarantees.

How to escalate

• Open a dispute from your investor dashboard → Disputes.
• Email legal@qonstruct-mart.com with the project ID and your concern.
• Critical fraud allegations are routed to the Head of Legal within one

business day.