1. Scope of Application
These terms and conditions govern all investment agreements entered into directly between private individuals (“you” or “Investor”) and Harris Investment & Construction ApS (hereafter “the Company” or “we”). They apply to all investment products and services offered by the Company, including, by way of example, real-estate project loans, bonds, and other investment contracts. By entering into an investment agreement with the Company, you agree to be bound by these terms. We recommend that you carefully read these terms before proceeding with any investment. The Company offers various investment products; for example:
Quarterly contract (3 years, 36%)
Quarterly contract (2 years, 18%)
Secure contract (1.5 years, 15%)
Secure contract (2 years, 21%)
Secure contract (3 years, 50%)
Secure contract (4 years, 80%)
All investments and communications are handled directly with the Company (for example, through signed contracts and direct email or phone communication). 

2. Agreement Formation
All information provided by the Company about investment products is indicative and not a binding offer. A binding investment agreement is only formed when (i) the investor signs the relevant Investment Agreement (or subscription form) provided by the Company, (ii) the Company countersigns or otherwise confirms the agreement, and (iii) the full investment amount is received by the Company. The Company will then send you written confirmation of the agreement (for example, by email). The Company reserves the right to refuse or cancel any subscription in the event of errors (such as incorrect terms or interest rates), incomplete information, or suspected fraud. In such cases, the Company will inform you as soon as possible.

3. Investment Amount and Payment
All investment amounts are specified in Danish kroner (DKK) and include any applicable fees or taxes (if any). The exact amount you agree to invest will be set out in the Investment Agreement. Payment must be made by bank transfer (or other agreed method, such as credit/debit card if accepted by the Company). The Company’s bank details or payment instructions will be provided to you in the Investment Agreement. You must ensure that the full investment amount reaches the Company by the agreed due date. No additional payment fees are charged beyond what has been communicated. Any payment information you provide (such as banking or card details) will be handled securely and confidentially (for example, through encryption) to protect your information. If you have agreed to a payment plan (for example, installments), the schedule and conditions will be specified in the Investment Agreement. If you have any questions about the investment amount or payment process, please contact the Company before transferring funds.

4. Execution of Investment Agreement
Once the Company has received your investment funds, the investment agreement is considered executed. The Company will deliver to you a fully signed copy of the Investment Agreement and any related documentation (such as receipts or certificates) by email or postal mail. No physical goods are exchanged – you are acquiring an investment contract. Delivery of the agreement is complete when the Company sends you the signed contract. If you do not receive documentation or confirmation promptly after making payment, please contact the Company for assistance.

5. Right of Withdrawal and Exceptions
As a consumer, you generally have a 14-day right to withdraw from a distance contract under Danish law. The 14-day period starts from the date the investment agreement is concluded (i.e., when payment is made and the contract is executed). To exercise this right, you must notify the Company clearly before the period expires (for example, by sending an email). You may use the standard withdrawal form, but this is not required – any clear statement to withdraw is sufficient. However, note: if you give the Company your explicit consent to begin performance of the investment before the withdrawal period ends, or if you otherwise agree that the Company may use your funds immediately, you will lose the right to withdraw once performance has begun. In other words, once the Company has started deploying the investment funds (for example, into the project) with your consent, the agreement is binding and cannot be cancelled by withdrawal. If you did not consent to immediate performance, you may withdraw within the 14-day period. In such a case, provided the Company has not yet used your funds, we will refund the full investment amount. In case of valid withdrawal, the Company will refund the investment amount as soon as possible and no later than 14 days after receiving your notification. The refund will be made using the same method you used for payment. The Company may withhold the refund until it has confirmed that any benefits of the investment (if any have been delivered) have been returned or canceled.

6. Complaint and Non-Performance
Your investment agreement is subject to Danish law, which provides for certain consumer protections. You have the right to complain to the Company if it fails to fulfill the agreement as agreed. For example, you may raise a complaint if the material terms of the investment (such as the rate of return) do not match what was promised, or if there is an error or omission in the contract documentation. Under Danish law, you generally have 24 months from the date the agreement is executed to notify the Company of any defects or non-compliance. If you make a valid complaint, you may request that the Company remedy the issue (for example, by correcting any mistake or honoring the agreed terms) or cancel the agreement (which may entitle you to a refund of your investment, depending on the circumstances). The Company will endeavor to resolve any valid complaint promptly. If the Company is unable to remedy a valid issue within a reasonable time, you may be entitled to a proportionate reduction or return of your investment funds, as provided by law. To make a complaint, you must notify the Company without undue delay after discovering the issue. We recommend complaining in writing (for example, by email) with a description of the problem. Complaints made within two months of discovering the issue are generally considered timely. The Company will investigate and respond as soon as possible with proposed solutions. The complaint right does not cover problems caused by your own actions (for example, misuse of funds after investment) or general market fluctuations. For example, market losses or changes in economic conditions are not defects in the Company’s performance. Your statutory rights under Danish law are not limited by these terms.

7. Limitation of Liability
The Company will make reasonable efforts to perform the investment agreement and provide accurate information, but all investments involve risk. The Company (including its officers, employees, and agents) shall not be liable for any indirect, incidental, or consequential losses suffered by you. This includes, without limitation, lost profit, lost returns, loss of business or opportunity, loss of data, or any other indirect or consequential damage. Specifically:
Indirect or Consequential Loss: We are not liable for any loss of profit, loss of expected return, business interruption, data loss, or any other indirect or consequential loss arising from the investment.
Third-Party Issues: We are not liable for failures or errors caused by third parties (for example, banks, payment processors, or other service providers used in the investment process).
Force Majeure: We are not liable for events beyond our control, such as natural disasters, war, terrorism, strikes, power outages, pandemics, or other “Acts of God,” which prevent or delay performance of the agreement.
The Company’s total liability for any claim arising from or related to an investment agreement is limited to the amount you invested in that product, unless mandatory law provides otherwise. We do not limit liability for gross negligence or intentional misconduct. Mandatory consumer protection laws (such as statutory warranty and liability provisions) remain in effect and take precedence over any conflicting terms. Investment Information Disclaimer: Any information or examples provided by the Company about investments (for example, projected returns or market analyses) are for general information only and do not constitute personalized investment advice. The Company makes no guarantee of any specific return on your investment. All investment decisions and timing are made by you at your own risk. You acknowledge that the Company is not liable for any investment losses you may incur. We encourage you to seek independent professional advice tailored to your circumstances before making significant investment decisions.

8. Intellectual Property Rights
All content, documents, and materials provided by the Company (including marketing materials, contract templates, reports, and other information) are protected by copyright and other intellectual property laws. The Company or its licensors own these rights. When you invest with us, you acquire only a limited right to use the documents (for example, to review the contract or project information for your investment). These rights are personal to you and may not be transferred or sublicensed to others. You may download or print the investment documentation for your personal records, but you may not copy, share, or distribute the Company’s proprietary materials (such as reports or training content) without prior written consent. The Company’s name, logos, and trademarks are also protected, and no rights in them are transferred to you by these terms.

9. Processing of Personal Data (GDPR)
To facilitate the investment, you will provide certain personal data (such as name, address, contact details, date of birth, and payment information). Harris Investment & Construction ApS is the data controller for processing your personal data. We process your information in compliance with the EU General Data Protection Regulation (GDPR) and Danish data protection laws.
Purpose and Legal Basis: We use your personal data to execute the investment agreement, process payments, send statements and communications, and comply with legal obligations (e.g. accounting or tax reporting). The legal basis for processing is the performance of the contract (GDPR Art. 6(1)(b)) and compliance with legal obligations (Art. 6(1)(c)). If we send you marketing information (such as updates on similar investment opportunities), we will obtain your consent beforehand (Art. 6(1)(a)), and you may withdraw consent at any time.
Data Storage and Security: We store your personal data securely and only as long as necessary. Your data will be kept for the duration of the investment and thereafter for legal retention periods (for example, at least 5 years for accounting purposes). After that, we will delete or anonymize it. We do not sell your personal data. We may share your data with third parties only as needed to fulfill the agreement (for example, to our bank, financial auditor, or legal advisor) or as required by law. We ensure that any such parties protect your data (for example, by data processing agreements). You are responsible for providing accurate information, and you must update us if any of your details change (for example, address or contact information).
Your Rights: You have rights under the GDPR regarding your data:
Right of Access: You can request confirmation of what personal data we hold about you and obtain a copy.
Right to Rectification: You can ask us to correct any inaccurate or incomplete data about you.
Right to Erasure (Deletion): You can ask us to delete your personal data in certain circumstances (for example, if it is no longer necessary for the purposes collected), subject to any legal obligations to retain data.
Right to Restrict Processing: You can ask us to temporarily suspend processing your data (for example, during a correction or if you contest accuracy).
Right to Data Portability: For data you have provided, you can request a copy in a structured, commonly used format.
Right to Object: You can object to our processing of your data for direct marketing or on other legitimate grounds.
To exercise any of these rights, please contact the Company at the address below. We will respond without undue delay and in any event within one month, as required by law. If you have questions about our data handling, please refer to our Privacy Policy (if available) or contact us. If you believe we have violated your data protection rights, you can file a complaint with the Danish Data Protection Authority (Datatilsynet).

10. Governing Law and Jurisdiction
These terms and any agreement you enter into with the Company are governed by Danish law. If you reside in another country, laws in that country which mandatorily provide you with more favorable protection will apply to the extent required. In case of disputes, the Company will first seek to resolve them amicably. If you are a consumer in Denmark and cannot reach a solution with us, you may seek assistance from the Danish Complaint Boards (Nævnenes Hus) or the Consumer Complaints Board. For example, Danish residents can submit a written complaint to: Mediation Team for Consumer Complaints, Nævnenes Hus, Toldboden 2, 8800 Viborg. If mediation does not resolve the issue, you may refer the case to the Consumer Complaints Board, subject to the Board’s rules and conditions. If you reside in another EU country, you also have the option to submit a complaint through the EU Online Dispute Resolution platform (http://ec.europa.eu/odr). This will forward your complaint to the appropriate authority. If legal proceedings are necessary, Danish courts have jurisdiction, with the Company’s location (Hedehusene) as the default venue. However, as a consumer you also have the right to bring proceedings in your local court in your country of residence.

11. Contact Information
If you have any questions about these terms, an investment product, or need assistance, please contact: Harris Investment & Construction ApS (HarrisIC)
Address: Vildkildevej 27, 2640 Hedehusene, Denmark
Phone: +45 22 96 89 99
Email: mail@harrisic.com
CVR: 45604152

We aim to respond to inquiries promptly (typically within 1–2 business days). These terms were last updated in July 2025. We may revise them from time to time; any new terms will be posted on our website. Your investment agreement will be governed by the terms in effect at the time of signing, unless changes are required by law. We recommend that you save or print a copy of these terms for your records. Thank you for choosing Harris Investment & Construction ApS. We appreciate your trust in us and look forward to assisting you with your investment.