1. Membership is applied for at pepins.com. A member does not automatically become a customer. To invest, a member must become a customer.
2. You must be at least 18 years old to become a customer. Minors may become customers if all legal guardians consent and approve access to the account data.
3. Customer identity must be verified, either electronically (e.g. BankID, Onfido) or manually with a certified ID copy.
4. Legal entities must be represented by an authorized adult with power of attorney or signing authority.
5. Pepins must have sufficient knowledge about its customers. Applicants must provide all requested information during registration and ongoing customer relationship.
6. Unlisted shares are classified as complex instruments. Each member must be informed and complete a suitability test before investing.
7. The customer is responsible for ensuring the accuracy and completeness of their provided information.
8. Use of bots, spiders, or automated tools (except standard search engines like Google) is prohibited unless written permission is granted. Customers may not overload or disrupt the platform.

1. A member can terminate their membership at any time by emailing [email protected]. If also a customer, the engagement can be ended the same way.
2. If Pepins wishes to cease operations or terminate the platform, 30 days’ notice will be given.
3. If a member/customer breaches these terms, Pepins may deny them new investments.
4. Pepins may terminate a membership if no investments are made and no login occurs for 24 consecutive months.
5. Pepins may ban users from posting in the community if behavior is misleading or inappropriate.

1. pepins.com is the primary platform for interaction between Pepins and its members/customers.
2. Access requires login with a personal password. If credentials are compromised, contact Pepins immediately to avoid misuse.
3. The member/customer is responsible for the accuracy of the information provided on pepins.com.

1. Membership with Pepins is free of charge.
2. Trading shares on pepins.com with Pepins as the counterparty is subject to brokerage fees according to the current price list available on the website.

1. Investment in an offering generally involves simultaneous subscription, provisional allocation, and payment. Once processed, the order is visible under “My Pepins.”
2. Shares are allocated immediately based on a first-come, first-served basis.
3. If the offering’s minimum threshold is not met, the investment is canceled and funds refunded.
4. After the subscription period ends or the max limit is reached, the allocation is confirmed via settlement note under “My Pepins.”
5. Subscription is binding and Pepins is authorized to execute the subscription on your behalf.
6. Payment options:
   1. Bank transfer (Trustly)
   2. Invoice (Billogram, 3-day payment term)
   3. Swish
7. Funds received by Pepins are held in client accounts, separated from company assets, and audited annually to ensure compliance and safekeeping.

1. Many shares subscribed via pepins.com can be traded during scheduled trade windows where Pepins acts as the counterparty.
2. Trade dates are announced on pepins.com.
3. Buyers and sellers are notified of allocations and receive settlement instructions.
4. Both parties are responsible for delivering funds or shares as instructed.
5. Pepins executes transactions based on account information from “My Pepins.”
6. Orders may be canceled if obligations are not fulfilled by the other party.
7. Payment is done via bank transfer. Transfers of Euroclear-registered shares are handled by the member’s bank/broker.

According to Chapter 3, Section 2 of the Distance and Off-Premises Contracts Act (2005:59), financial instruments are exempt from withdrawal rights. This means no right of withdrawal applies for investments on pepins.com.

Non-sophisticated investors have a four (4) calendar-day withdrawal period under Article 22(3) of EU Regulation 2020/1503 for crowdfunding service providers.

1. Pepins processes personal data in accordance with the GDPR.
2. We retain data provided during registration and any later updates. Additional data may be collected from public/private sources to evaluate suitability.
3. We are required to retain certain data and share it with authorities as required by law. Beyond legal obligations, data is not shared with third parties without contractual basis.
4. Other processing is done according to Pepins’ Privacy Policy, available on pepins.com.
5. To request your data, contact [email protected].

1. These terms apply until further notice. Changes will be communicated via email or pepins.com.
2. Existing members/customers are bound by the updated terms 14 days after notice is given.
3. If you do not accept the new terms, you may terminate your membership. If you have made an investment, the customer relationship remains until the shares are divested.

1. If dissatisfied, contact: [email protected] or Pepins Sweden AB, Complaints Manager, c/o Convendum, Kungsgatan 9, 111 43 Stockholm.
2. If unresolved, consumers may contact the Swedish National Board for Consumer Disputes (ARN):
   Allmänna reklamationsnämnden
   Box 174, 101 23 Stockholm
   www.arn.se
   ARN gives recommendations for dispute resolution. Guidance is also available from the Swedish Consumers' Banking & Finance Bureau (tel. 020-022 58 00).

1. Each party is only liable for damage caused by their own negligence.
2. Pepins is not liable for disruption due to technical issues preventing use of pepins.com.
3. No guarantees are given for content, calculations, or information provided by companies or users on the platform.
4. Investments are the responsibility of the customer and issuing/listed company. Pepins is not liable.
5. Pepins is not liable for force majeure, including but not limited to, strikes, legal restrictions, or unforeseen platform overload. Pepins is not liable when acting in accordance with Swedish or EU law.