Are investor funds held separately from UOWN funds?

Yes, your investments are completely separate from UOWN's operations:

• Direct investment: You invest directly from your bank into the project SPV's bank account via Yapily. Funds are ring-fenced within the SPV, not held by UOWN.

• SPV structure: Your money goes straight into project-specific SPVs (Special Purpose Vehicles), which are independent legal entities.

• No commingling: There's no opportunity for funds to be mixed with UOWN's operational accounts.

• Protection in insolvency: If UOWN went bankrupt, your SPV investments would be unaffected and continue independently.

• Direct returns: When projects complete, returns are paid directly from the SPV to your bank account, not through UOWN.

This structure ensures maximum protection - your funds are held within the SPV, ring-fenced from UOWN's own operations.