Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your access to and use of the website operated by AEGON SPA OÜ (hereinafter "AEGON," "we," "us," or "our"), a private limited company (osaühing) incorporated under the laws of the Republic of Estonia, with its registered address at Trummi 25, Nõmme, Tallinn 11911, Republic of Estonia.

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use this website.

2. About AEGON

AEGON is a longevity-focused real estate development project located in Nõmme, Tallinn, Estonia. The project encompasses a wellness spa, performance club, and residential lofts. AEGON SPA OÜ is the Special Purpose Vehicle (SPV) established to develop, own, and manage the AEGON property. The SPV operates as an Estonian osaühing (OÜ), providing limited liability protection and operating within the European Union legal framework.

The AEGON digital note (electronic security / elektrooniline väärtpaber) is a digital asset issued by the SPV that represents economic rights associated with the AEGON property. Digital note issuance and transactions are facilitated through Nestor.exchange, a third-party platform. AEGON SPA OÜ is not a financial institution, investment fund, or regulated financial services provider unless otherwise specified and licensed.

3. Nature of the Website Content

The information presented on this website, including but not limited to descriptions of the AEGON project, projected financial returns, note economics, yield estimates, and property valuations, is provided for informational purposes only. Nothing on this website constitutes:

• Investment advice or a recommendation to purchase digital notes or invest in the project;
• A solicitation or offer to sell securities or financial instruments in any jurisdiction where such offer or solicitation is unlawful;
• A guarantee or promise of financial returns, capital appreciation, or income;
• Legal, tax, or financial advice of any kind.

Forward-looking statements regarding projected returns, note price appreciation, yield expectations, and occupancy rates are illustrative and based on base-case operating assumptions. Actual results may differ materially. Prospective investors should conduct their own due diligence and consult with qualified professional advisors before making any investment decisions.

4. Eligibility and Investor Qualification

The AEGON digital note offering is structured as a private or limited offering and is intended for qualified or professional investors as defined under applicable EU regulations, including Regulation (EU) 2017/1129 (the Prospectus Regulation) and Directive 2014/65/EU (MiFID II). By expressing interest in the investment opportunity, you represent that:

• You are of legal age in your jurisdiction of residence;
• You have the legal capacity and authority to enter into binding agreements;
• You understand the risks associated with digital asset investments and real estate investments;
• You are not located in a jurisdiction where the purchase of digital notes or participation in digital note offerings is prohibited or restricted;
• You will comply with all applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.

AEGON reserves the right to restrict access to investment-related features based on jurisdictional requirements and investor qualification criteria.

5. Interest Form Submissions

Submitting an interest form through this website does not constitute a binding commitment, contract, or agreement to invest, purchase digital notes, or acquire membership. Interest form submissions are expressions of interest only and are subject to further verification, qualification, and mutual agreement between the parties.

By submitting an interest form, you consent to being contacted by AEGON or its authorised representatives regarding the subject matter of your enquiry. You acknowledge that response times may vary and that AEGON is not obligated to respond within any specific timeframe.

6. Digital Note Offering and Nestor.exchange

Digital note issuance, sale, and transfer are facilitated through Nestor.exchange, a third-party platform. AEGON SPA OÜ is not responsible for the operation, security, or availability of the Nestor.exchange platform. The terms and conditions governing digital note purchases, transfers, and custody are set forth in the separate agreements between the investor and Nestor.exchange.

The AEGON digital note is expected to launch in Q2 2026. Note pricing, allocation, and distribution details will be communicated to qualified investors through the appropriate channels. All digital note transactions will be subject to applicable KYC/AML procedures as required by Estonian law, including the Money Laundering and Terrorist Financing Prevention Act (Rahapesu ja terrorismi rahastamise tõkestamise seadus).

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, architectural renderings, floor plans, design concepts, and software, is the property of AEGON SPA OÜ or its licensors and is protected by Estonian and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this website without the prior written consent of AEGON SPA OÜ. The AEGON name, logo, and Flower of Life design mark are trademarks of AEGON SPA OÜ.

Images labelled as "Mood Board" are conceptual visualisations intended to illustrate the design direction of the project. They do not represent final architectural designs, interior finishes, or guaranteed outcomes.

8. Limitation of Liability

To the maximum extent permitted by applicable law, AEGON SPA OÜ, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with:

• Your use of or inability to use this website;
• Any reliance on information presented on this website;
• Any investment decisions made based on information obtained from this website;
• Any loss of data, profits, or business opportunities;
• Any interruption, suspension, or termination of the website or its services.

This limitation of liability applies regardless of the legal theory upon which the claim is based, whether in contract, tort (including negligence), strict liability, or otherwise.

9. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. AEGON does not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Third-Party Links and Services

This website may contain links to third-party websites, platforms, or services, including but not limited to Nestor.exchange and partner organisations. AEGON does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites or services. Your interaction with third-party services is governed by their respective terms and conditions.

11. Regulatory Compliance

AEGON SPA OÜ is committed to operating in compliance with applicable Estonian and European Union regulations. The digital note offering is structured to comply with applicable exemptions under the Prospectus Regulation (EU) 2017/1129. Where the digital note is classified as a crypto-asset under Regulation (EU) 2023/1114 (Markets in Crypto-Assets Regulation, "MiCA"), AEGON will comply with the applicable white paper and disclosure requirements.

Nothing on this website should be construed as an indication that AEGON SPA OÜ holds any financial services licence or authorisation unless explicitly stated. The regulatory status of the digital note offering may be subject to change based on evolving regulatory guidance from the Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon) and other competent authorities.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of laws provisions. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of the Republic of Estonia, specifically the Harju County Court (Harju Maakohus) as the court of first instance.

13. Amendments

AEGON reserves the right to modify these Terms at any time. Material changes will be communicated through the website. Your continued use of the website following the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

15. Contact Information

For questions regarding these Terms of Service, please contact: