Terms and Conditions

An investment platform application and website.

Introduction and Agreement

Welcome to www.investcheddar.com (the “Site”). Invest Cheddar operates the Site and serves as our official online investment platform. By visiting, accessing, or using this Site, you agree to be legally bound by the following Terms and Conditions (the “Terms”), which outline the rules, policies, and disclaimers governing your use of our services.

Purpose of the Site

The primary purpose of Invest Cheddar is to provide a digital investment platform where individuals can contribute funds that will be pooled into carefully selected real estate projects. These projects include, but are not limited to:

  • Residential developments
  • Commercial real estate projects
  • Multi-family rental properties
  • Industrial or mixed-use opportunities

The central model of our business is straightforward:

  • Collect investor contributions through our platform.
  • Deploy those funds into vetted real estate opportunities.
  • Generate revenue from those projects.
  • Distribute 70% of the profits back to investors every month.

This model allows individuals from different financial backgrounds to participate in real estate investing without the barriers of direct ownership, management, or large capital requirements.

Disclaimer of Services

It is important to note what Invest Cheddar is and is not.

  • liInvest Cheddar is not a bank and does not provide FDIC-insured products.
  • liWe are not a licensed financial institution.
  • liWe are not authorized to sell, trade, or offer securities, stocks, or bonds regulated by the U.S. Securities and Exchange Commission li(SEC).
  • liWe do not provide personalized financial, legal, or tax advice.

All information provided on this Site is intended for general educational purposes only. Before making any financial decision, you agree to seek advice from qualified professionals such as licensed financial advisors, attorneys, or CPAs.

Privacy Policy

Your use of this Site is subject to our official Privacy Policy, which details how we collect, store, and use your personal information. The Privacy Policy is an integral part of these Terms, and by using this Site, you consent to our data practices.

The Privacy Policy explains:

  • What personal data we collect (such as name, email address, and financial information).
  • How this data is used to process your investments and communicate with you.
  • How your data may be shared with third-party service providers who support our platform.
  • Your rights regarding privacy, data correction, and deletion requests.

Electronic Communications

By using www.investcheddar.com, you consent to receive electronic communications from us. This includes emails, notifications posted on the Site, and documents sent through your account.

You agree that all agreements, disclosures, statements, and communications delivered electronically satisfy any legal requirements for written communication.

User Accounts and Responsibilities

To invest through the Site, you must first create an account. By registering, you agree to:

  • Provide accurate, current, and complete information.
  • Maintain the confidentiality of your username and password.
  • Accept responsibility for all activities under your account.

You may not assign or transfer your account to another individual or entity without our written consent. Invest Cheddar reserves the right to suspend, terminate, or refuse service if we suspect fraudulent activity, misuse, or violation of these Terms. We are not responsible for unauthorized access caused by theft, loss, or misappropriation of your account credentials.

Age Restrictions

Invest Cheddar does not knowingly collect personal data from anyone under the age of 13. If you are under 18 years old, you may use this Site only with the supervision and consent of a parent or legal guardian.

Investment Policy – Cancellations, Refunds, and Reinvestment

Our investment model is structured around clarity and predictability. Please note the following rules regarding investments:

  1. Lock-in Period: All initial investments are locked for 18 months.
  2. Management Fee: A one-time, non-refundable 2% management fee is applied at the time of investment.
  3. Withdrawal After Lock-In: After 18 months, investors may withdraw their original principal contribution.
  4. Reinvestment Options:
    • Investors may reinvest their principal after 18 months without being charged another management fee.
    • Monthly profits may also be reinvested at any time with no fee.
    • All reinvested funds are subject to a new 18-month lock period.

By participating, you acknowledge and accept this investment structure, including the non-refundable management fee.

Links to Third-Party Websites

Our Site may include links to third-party websites (“Linked Sites”). These links are provided solely as a convenience.

Invest Cheddar is not responsible for:

  • The content or policies of Linked Sites.
  • Updates or changes to those sites.
  • Any damages or losses caused by third-party content or services.

Inclusion of a link does not constitute endorsement by Invest Cheddar.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.investcheddar.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Invest Cheddar that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Invest Cheddar or its suppliers and protected by copyright and other laws that protect intellectual property, and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content, and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Invest Cheddar content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Invest Cheddar and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Invest Cheddar or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated, and administered by Invest Cheddar from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Invest Cheddar Content accessed through www.investcheddar.com in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Indemnification

You agree to indemnify and hold harmless Invest Cheddar, its employees, officers, directors, and agents from any claims, damages, or costs (including attorney’s fees) arising from:

  • Your use or misuse of the Site.
  • Violation of these Terms.
  • Infringement of any rights of third parties.
  • Violation of applicable laws or regulations.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. If any legal or equitable action, proceeding, or arbitration arises out of or concerns about these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney''''''''''''''''s fees. The parties agree to arbitrate all disputes and claims regarding these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that result from these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis, class action. Arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Invest Cheddar agree otherwise, the arbitrator may not consolidate more than one person''''''''''''''''s claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. INVEST CHEDDAR AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

INVEST CHEDDAR AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED & AS IS; WITHOUT WARRANTY OR CONDITION OF ANY KIND. INVEST CHEDDAR AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARDING THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INVEST CHEDDAR AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF INVEST CHEDDAR OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Invest Cheddar reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Texas, and you hereby consent to the exclusive jurisdiction and venue of courts in Texas in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between You and Invest Cheddar as a result of this agreement or use of the Site. Invest Cheddar’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Invest Cheddar’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Invest Cheddar with respect to such use. If any Part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, Then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the The agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Invest Cheddar with respect to the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and Invest Cheddar with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this agreement and all related documents be written in English.

Changes to Terms

Invest Cheddar reserves the right, in its sole discretion, to change the Terms under which www.investcheddar.com is offered. The most current version of the Terms will supersede all previous versions. Invest Cheddar encourages you to periodically review the Terms to stay informed of our updates.