Fagura is launching an initiative that gives new users the opportunity to explore investing on the platform without paying any costs during the first 30 days. The user has 30 days to test the platform, and if they decide that this product is not the right fit for them, Fagura will help them recover their initial investment without any selling or transfer fees.

1. Organizer

The campaign is organized by the entities operating the Fagura platforms:

For Romania: Fagura Finance SRL, operator of the participatory financing platform authorized by ASF.
For the Republic of Moldova: Fagura Capital SRL, operator of the participatory financing platform authorized by CNPF.

(Hereinafter collectively referred to as “Fagura” or the “Organizer”.)

2. Campaign Period

The campaign runs from March 18, 2026 to May 31, 2026, inclusive. The Organizer reserves the right to change the duration of the campaign, with prior notice to users through its official channels.

3. Eligibility

The campaign is available to new users (individuals or legal entities) who create an Investor account, successfully complete the identity verification (KYC) process, and make their first top-up/investment during the campaign period.

The campaign may be used only once per user or affiliated group of companies.

The campaign is valid for investors registered on either of the platforms: Fagura.ro and Fagura.com.

4. How the Campaign Works

Starting from the first account top-up, the investor has 30 calendar days (within the campaign period) to invest in loans listed on the Primary Market (through Manual Invest or Auto-Invest).
If, during this 30-day period, the user decides to stop being an investor, they must send a written request to the Support team at support@fagura.com and/or support@fagura.ro. The withdrawal request can be made only by email. In order to help improve our services, the investor is invited to mention the reasons for their dissatisfaction in the withdrawal request.
The Fagura team will assist the investor in listing their portfolio on the Secondary Market at 1:1 parity (without discount).
Fagura will cover the Secondary Market selling fee (2.5%) and any applicable bank transfer costs, so that the user receives back the initial net invested amount, regardless of its value.
The funds will be available for withdrawal to the user’s bank account within a maximum of 3 business days after the portfolio sale on the Secondary Market is completed.

5. Exclusions and Limitations

The campaign does not apply to:

Investments made after the 30-day period from the first top-up has expired.
Investments made directly on the Secondary Market (the campaign is valid only for the Primary Market).
Amounts coming from other bonuses, prizes, or promotions (these cannot be converted into cash for withdrawal).
Cases involving suspicion of fraud, abuse, or breach of the platform’s general Terms and Conditions.
Profit (interest) earned during the 30-day period; the campaign guarantees recovery of the initial invested capital only, not the retention of returns in case of early withdrawal.
The Fagura PRIME investment product.

6. Nature of the Promotion and Risks

This campaign is a promotional benefit and does not constitute a guarantee of future returns or the elimination of credit risks related to borrowers.

Fagura guarantees only the removal of exit costs (fees) during the 30-day period. All long-term investments remain subject to risk.

Version applicable starting 20.02.2026

This Regulation governs the participation conditions, operational mechanism, eligibility criteria, and bonus allocation method within the Fagura Referral Program, organized by FAGURA CAPITAL S.R.L., a limited liability company incorporated and operating in accordance with the laws of the Republic of Moldova, with its registered office at 78, 31 August 1989 Street (iHUB Green, 3rd floor, office B), Chișinău municipality, IDNO 1024600049862, acting as a crowdfunding service provider, authorized by Decision No. 51/2 dated 05.11.2024 of the National Commission for Financial Markets, hereinafter referred to as “Fagura”.

This Regulation supplements the Terms and Conditions of Use of the Platform www.fagura.com. In the event of any inconsistency between this Regulation and the Platform Terms and Conditions, the provisions of this Regulation shall prevail exclusively with respect to matters specific to the Referral Program.

At Fagura, the community is the engine that drives the growth of alternative investments. Therefore, we have rebuilt the Referral Program to expand the community and directly reward both the inviting user and the invited person. For each friend who creates an account through your link and fulfills the eligibility conditions, the bonus is granted to both parties. If the activation process takes longer than the initial term, you may relaunch the invitation from your account so that it remains valid according to the program rules.

1. Referral Program 3.0

Compared to previous versions, Referral Program 3.0 simplifies the bonus process and introduces new monitoring tools:

Individual rewards: You receive a bonus for each approved referral who completes the required steps.
Validity period: Each invitation has a 30-day opportunity window. It may be renewed twice (2), but must NOT exceed a total of 90 days.
Reminder notifications: You may remind your friends to complete the process directly from the platform and ensure they do not miss the opportunity.

2. Key Terms

To simplify invitation tracking, each user may use the dedicated dashboard in their personal account, designed to provide transparency regarding the status of each invitation and allow real-time progress monitoring.

The Referral Program uses the following statuses:

Invited: The invitation has been sent (email delivered), but the invited person has not yet created an account on the platform.
Account Created: The invited person has created a user account and completed all necessary steps to invest or contract loans, including identity verification (KYC). From this moment, the 30-day eligibility period begins.
Accepted: The invited person has fulfilled the applicable conditions (investment/loan), and the bonus is granted and transferred to the eligible parties’ accounts according to this Regulation.
Pending: The invited person has not yet fulfilled the applicable conditions and the 30-day period has not expired.
Expired Invitation: The 30-day period and the renewal possibility have expired without fulfilling the program conditions; the invitation becomes invalid.
Closed: The referral created and activated the account or invested the required amount, but used an expired link or exceeded the maximum 90-day period from the initial invitation. In this case, no bonus is granted to either party.

3. Eligibility and Reward Conditions

Eligibility Conditions

Participation in the Fagura Referral Program is open to any natural or legal person, freely and voluntarily, provided they meet the general eligibility requirements applicable to users of www.fagura.com, as provided in the Platform Terms and Conditions.

The bonus is granted to the Referrer and the Referral if the following conditions are cumulatively met:

Both referrer and referral must have an active account on the platform and complete all required steps to invest or contract loans, including KYC verification.
An invited investor must fund their account and make an actual investment on the platform, in accordance with the thresholds and timeframes established in this Regulation.
An invited borrower must contract a loan; the loan agreement must be signed and the amount disbursed according to platform rules and contractual documentation.
The invited person may create both types of accounts (Borrower and Investor). The bonus will be granted to the account where the bonus conditions are fulfilled first.

Rewards are determined according to the type of account created by the invited person.

Referral Type	Bonus Condition	Referrer Bonus	Referral Bonus
Individual Investor	Minimum €250 cumulatively invested within 30 days	€30	€30
Corporate Investor	Minimum €1,000 cumulatively invested within 30 days	€90	€90
Individual Borrower	Contracting a loan of minimum €1,000	€30	€30 (credited to loan account)
Corporate Borrower	Contracting a loan of minimum €1,000	€90	€90 (credited to loan account)

Bonus Allocation Procedure

The referral bonus is granted only after cumulative fulfillment of all eligibility conditions provided in this Regulation and the Platform Terms and Conditions.

After confirmation of eligibility (investment made according to applicable threshold or loan approved, signed and disbursed), the bonus will be validated by Fagura and allocated to both eligible parties.

The bonus will be credited directly to the user’s platform account within a maximum of 30 (thirty) calendar days from the confirmation date.

The platforms www.fagura.com and www.fagura.ro belong to the Fagura group. The Referral Program applies uniformly across both platforms under regulations containing identical rules and conditions. If the Referrer sends the invitation from fagura.com and the Referral chooses to invest or borrow on fagura.ro (or vice versa), once the program conditions are fulfilled, the Referrer receives the bonus on the platform from which the invitation was initiated, and the Referral receives the bonus on the platform where the bonus conditions were first fulfilled.

Fagura reserves the right to perform additional checks before granting bonuses to prevent fraud or abuse.

4. Notifications

To facilitate invitation management and eligibility tracking, the Referral Program includes notification and reminder functionalities within the dashboard.

If the invitation validity expires without fulfilling the conditions, the invitation may be relaunched through the “Renew Invitation” option. Relaunching is a manual action and starts a new 30-day cycle, subject to the Regulation limits.

For invitations with “Account Created” status, reminder messages may be sent to encourage completion of required actions (investment/loan). A maximum of two (2) reminders per invitation cycle is allowed. The first reminder may be manually initiated only after the first 10 days from invitation sending, with at least 10 days between reminders. If no manual reminder is sent, the system will automatically send one 7 days before the 30-day cycle expires. Messages are sent by Fagura but associated with the referrer to preserve a personal communication character.

5. Exclusions and Prohibited Conduct

The Referral Program aims to stimulate real, direct, and authentic recommendations. Any misuse may result in measures under this section.

Fagura reserves the right to suspend, cancel, or recover granted bonuses and restrict or close accounts involved in abusive, fraudulent, or improper practices, including but not limited to:

Inviting fictitious persons, using false identities, or creating accounts without consent;
Creating multiple accounts by the same person for unjustified bonus acquisition (self-referral);
Bulk/referral farming schemes, mass non-personalized distribution, or automated invitation generation;
Use of artificial/technical methods (scripts, bots, VPNs, intermediary accounts, simulation mechanisms, etc.) to artificially fulfill bonus conditions;
Any other behavior that reasonably aims at unjustified benefit acquisition.

6. Taxation

The tax treatment of referral bonuses is determined according to applicable tax legislation. If bonuses are subject to taxation and withholding obligations exist, the tax will be calculated and withheld by Fagura at the time of bonus granting.

The amount credited may represent the net value after tax withholding.

If additional tax obligations apply (including contributions, declarations, or reporting), they will be fulfilled according to applicable legal provisions, and participants remain responsible for any personal tax obligations that cannot be withheld at source.

Fagura reserves the right to request additional information or supporting documents necessary for tax compliance.

Category: Uncategorized

#MoneyBack – internal Rules for investors