Legal Disclaimer
Investment Risk Notice
1. General Notice
Pruv (“we,” “our,” or “us”) operates a digital platform that facilitates the tokenization, distribution, and trading of Real-World Assets (RWA) — including interests in private funds, private credit instruments, bonds, and other eligible financial products — through blockchain-based infrastructure.
All information and materials made available through the PRUV platform are provided for informational purposes only and do not constitute financial, investment, or legal advice.
Nothing on the platform should be interpreted as a solicitation, recommendation, or offer to buy or sell any asset or financial instrument. You are solely responsible for evaluating the suitability, risk, and consequences of any investment made through PRUV.
2. Nature of Tokenized Assets
RWA tokens distributed or traded through PRUV may represent fractional or digital interests in underlying financial assets such as private credit facilities, private investment vehicles, fixed-income products, or similar structures.
Unless explicitly stated and approved by relevant authorities:
These tokens do not represent bank deposits, insurance policies, or collective investment contracts.
They are not guaranteed or insured by PRUV, any financial institution, or government entity.
Their value, returns, and liquidity depend entirely on the performance and market demand of the underlying asset.
3. Investment Risk Acknowledgment
By participating in any transaction on the PRUV platform, you acknowledge and accept that investment in tokenized assets involves significant risk. These risks may include, but are not limited to:
Market Risk: Asset values may fluctuate due to market conditions, interest rates, credit spreads, or macroeconomic factors.
Liquidity Risk: Tokenized assets may not have an active secondary market, and resale or redemption may be restricted.
Credit and Counterparty Risk: There is a possibility of default or non-performance by issuers, borrowers, or underlying obligors.
Operational and Technological Risk: System interruptions, smart contract vulnerabilities, or cybersecurity incidents may affect access or asset integrity.
Regulatory and Legal Risk: Developments in Indonesia or other jurisdictions may affect the classification, transferability, or taxation of tokenized assets.
Valuation and Information Risk: Data provided by issuers or partners may be incomplete, delayed, or subject to interpretation.
You should only invest funds that you can afford to lose and seek independent financial and legal advice before making any investment decisions.
4. No Financial or Legal Advice
PRUV and its affiliates do not provide investment, financial, or tax advice. All investment decisions are made at your own discretion and responsibility.
You are encouraged to consult qualified financial advisers, lawyers, or tax professionals before investing in any tokenized product.
5. No Guarantee or Warranty
All data, projections, and statements presented on PRUV are provided on an “as is” and “as available” basis.
PRUV makes no warranties or representations, express or implied, regarding:
The accuracy, completeness, or reliability of any information on the platform.
The future performance, liquidity, or profitability of any tokenized asset.
The uninterrupted, secure, or error-free operation of the platform.
6. Limitation of Liability
To the maximum extent permitted by law, PRUV, its affiliates, officers, employees, and service providers shall not be liable for any direct, indirect, incidental, or consequential loss — including financial losses arising from:
Investment decisions made using information provided through the platform.
Platform interruptions, delays, or technological malfunctions.
Conduct or representations made by issuers, distribution partners, or other users.
Changes in law, regulation, or tax treatment affecting the underlying assets or tokens.
Your sole remedy for dissatisfaction with the platform or any related service is to discontinue its use.
Nothing in this disclaimer shall exclude or limit any liability that cannot be excluded under applicable Indonesian law, including rights under the Consumer Protection Law.
7. Regulatory Status
PRUV operates as a participant within the Regulatory Sandbox established by the Financial Services Authority (Otoritas Jasa Keuangan — OJK) under the Information Technology-Based Financial Innovation (ITSK) framework.
As a sandbox participant, PRUV is subject to supervision and monitoring by OJK.
The regulatory classification of tokenized assets in Indonesia remains subject to further guidance from OJK and other relevant authorities. PRUV’s operations are limited to activities approved under its Sandbox authorization.
8. Governing Law
This Legal Disclaimer shall be governed by and construed in accordance with the laws of the Republic of Indonesia. Any dispute arising out of or in connection with this disclaimer shall be settled through the competent courts of Indonesia, or other dispute resolution mechanisms as may be agreed by the parties.
9. Acceptance of Terms
By accessing or using PRUV, you confirm that:
You have read and understood this Legal Disclaimer.
You consent to the processing of your personal data in accordance with PRUV’s Privacy Policy.
You acknowledge the risks associated with investing in tokenized financial products.
You accept full responsibility for all investment decisions and their outcomes.
Last updated: September 22, 2025
Last updated