Investment Disclaimer

Important information you must read before making any investment decision

Effective Date: 1 May 2026 | Last Revised: 15 May 2026

IMPORTANT — READ CAREFULLY

The information provided on the Moris Nou Pei platform does not constitute investment advice, financial advice, trading advice, or any other type of advice. All investments carry the risk of loss, including the total loss of invested capital. You should consult a licensed financial adviser before making any investment decision.

1. Not a Licensed Financial Services Provider

Moris Nou Pei operates as an online intermediary platform only. We are not licensed, authorised, or regulated as:

A financial adviser under the Financial Services Act 2007 of Mauritius;
A collective investment scheme manager under the Securities Act 2005;
A broker, dealer, or market maker in securities;
A bank, deposit-taking institution, or payment service provider under the Bank of Mauritius Act 2004;
A crowdfunding platform regulated by the Financial Services Commission (FSC) of Mauritius.

Consequence: You are not afforded the investor protection rights that would apply if you were dealing with a licensed financial services provider. We strongly recommend seeking independent advice from an FSC-licensed financial adviser.

2. Nature of the Platform

The Moris Nou Pei platform is a marketplace for introductions only. We:

We DO

Provide a platform for entrepreneurs to list investment opportunities
Allow investors to browse and express interest
Facilitate introductions between parties
Collect a success fee on completed deals
Provide basic identity verification

We DO NOT

Verify the accuracy of any business information posted
Conduct financial, legal, or technical due diligence
Endorse, recommend, or guarantee any opportunity
Hold, manage, or safeguard any investor funds
Provide legal, financial, or tax advice
Guarantee returns or the preservation of capital

3. Investment Risks

Before investing in any opportunity listed on this Platform, you should understand and accept the following risks:

Capital Risk

You may lose some or all of the money you invest. Business investments, particularly in early-stage or emerging market companies, carry a high risk of partial or total capital loss. Do not invest money you cannot afford to lose.

Illiquidity Risk

Investments in private companies listed on this Platform are typically illiquid. There is no guaranteed secondary market. You may not be able to sell or exit your investment for months or years, if at all.

Information Risk

Information provided by entrepreneurs may be incomplete, inaccurate, out-of-date, or misleading. Moris Nou Pei does not independently verify any claims. You must conduct your own due diligence.

Fraud Risk

Despite our AML/KYC procedures, fraudulent actors may attempt to exploit investment platforms. Never transfer funds directly to an entrepreneur without independent legal verification of the investment agreement.

Dilution Risk

Your equity stake in a business may be diluted by future funding rounds, new share issues, or changes to the capital structure.

Regulatory Risk

The regulatory environment for investments, particularly in Mauritius and West Africa, may change. New laws or regulations may affect the legality, structure, or profitability of your investment.

Currency Risk

Cross-border investments involve currency exchange risk. Fluctuations in exchange rates between MUR, XOF, USD, EUR, and other currencies can significantly affect the value of your investment.

Business & Market Risk

The business you invest in may fail due to poor management, competitive pressures, economic downturns, technological disruption, or other unforeseen factors.

Concentration Risk

Investing a significant portion of your wealth in a single opportunity or sector amplifies the impact of any loss. Diversification is recommended.

Political & Country Risk

For cross-border investments, political instability, corruption, civil unrest, expropriation, or sudden policy changes in the target country may affect your investment.

4. Forward-Looking Statements

Business opportunity listings on the Platform may contain forward-looking statements — projections, forecasts, plans, or expectations about future performance. These statements:

Are not guarantees of future performance;
Are inherently uncertain and subject to material risks;
Are based on assumptions that may prove incorrect;
Should not be relied upon as a basis for investment decisions.

5. Tax Considerations

The tax treatment of investments depends on your individual circumstances and the laws of your tax residence jurisdiction. Moris Nou Pei does not provide tax advice. You should consult a qualified tax professional before investing. Key considerations include:

Capital gains tax in Mauritius (currently nil on long-term capital gains — Income Tax Act 1995, though this may change);
Dividend withholding tax;
Tax treaty implications for cross-border investments;
Income tax in your home jurisdiction on foreign investment income;
VAT/GST on any service fees paid to Moris Nou Pei.

6. Due Diligence Recommendation

Before committing any funds, you should at a minimum:

Obtain and review at least 3 years of audited financial statements from the target business;
Verify the legal existence, ownership, and good standing of the business entity;
Commission an independent legal review of any investment agreement;
Conduct a site visit to the business premises where practicable;
Verify all regulatory licences, permits, and intellectual property claims;
Check for undisclosed liabilities, litigation, and liens;
Seek references from existing investors or business partners;
Consult a licensed financial adviser on the suitability of the investment for your risk profile.

Moris Nou Pei can provide introductions to independent legal and financial advisers in Mauritius upon request.

7. Dispute Between Parties

Moris Nou Pei is not a party to any investment agreement between an entrepreneur and an investor. We are not liable for:

Breach of any investment agreement;
Non-payment of promised returns;
Misrepresentation by either party;
Any financial loss arising from the investment.

We offer voluntary mediation services as a courtesy to Platform users. Formal dispute resolution is governed by our Terms of Service (Section 15).

Acknowledgement

By using the Moris Nou Pei investment platform, you confirm that you have read and understood this Investment Disclaimer, that you appreciate the risks involved in private business investments, and that you are making your investment decisions independently and at your own risk.