Investment Plan Terms and Details

This page provides an overview of general terms and specific details for each of our investment plans. Note that the information here is for reference only and does not constitute a public offer. A formal agreement will be required for actual investments in any of the plans.

Understanding Plan Terms

Welcome to our detailed guide on the terms and conditions of our investment plans.

This section is designed to provide potential investors with essential information regarding the operation, benefits, and obligations associated with our various investment options. While this guide serves to clarify the key aspects of our plans, it’s important to remember that actual investments will be governed by formal agreements specific to each plan.

Our investment plans – Pulse, Zenith, and Oracle – are designed with a clear and straightforward payout structure. Understanding how and when you will receive your returns is crucial to making informed investment decisions.

All our plans operate on a ‘payout when matured’ basis, which we explain below.

Our commitment to transparency and informed investing is reflected in this comprehensive overview, ensuring you have all the necessary details to make educated decisions about your investment journey with us.

PULSE

Explore Pulse: Smart Investing Made Simple

Overview:

The Pulse Plan is designed for those who seek a balance between short-term commitment and stable returns. As a distinctive asset-backed loan, it offers a secure alternative to conventional investment avenues.

Investment Structure

With a one-year term, the plan presents an 8.1% flat annual interest rate, appealing to investors who prefer a short-term investment horizon with predictable and attractive returns.

Investment Range

The Pulse Plan accommodates a wide range of investors, with a minimum investment threshold of €1,500 and a maximum cap of €5,000. This range is designed to offer flexibility while maintaining the effectiveness of the plan’s risk management strategy.

Reinvestment Flexibility

A distinctive feature of the Pulse Plan is the flexibility it offers in reinvestment. After the initial one-year term, investors can choose to reinvest any amount within plan limits, including the initial capital and/or the earned interest, for a second one-year term. 

This allows for two consecutive years of investment under the Pulse Plan. 

Post this period, investors will have to wait for two years before they can invest in the Pulse Plan again.

Plan Ceiling and Accessibility

The Pulse Plan’s ceiling is set at €125,000. 

This ceiling is a crucial aspect of our risk management strategy, ensuring that the plan remains sustainable and effective. 

Once the total investment in the plan reaches this ceiling, we temporarily pause the acceptance of new investments. 

This pause allows us to focus on fulfilling our commitments to current investors and ensures that the plan operates within its risk and management capabilities. 

The plan reopens to new investors only after at least 50% of the existing investments are paid out. 

This approach not only maintains the plan’s integrity but also safeguards investor interests.

Asset-Backed Security

The Pulse Plan’s investments are secured by industry-specific collateral. 

This means the funds are used in stable and tangible business ventures within our portfolio, such as retail and e-commerce or professional services. 

These industry-specific assets offer a stable backing, ensuring that even in volatile market conditions, the investment remains secure.

Currency and Payouts

Transactions within the Pulse Plan are carried out in euros.

For international investors, payouts are recalculated based on the current exchange rate, ensuring equitable returns in line with global market trends.

In Pulse plan, the total return on your investment, including the principal amount and accrued interest, is paid out at the end of the investment term, known as the ‘maturity’ of the plan.
– This means that if you invest in any of these plans, you will not receive periodic interest payments throughout the term. Instead, the total interest accumulates and is paid out in a lump sum along with the principal amount at the end of the term.

Plan Acceptance and Restrictions

Choosing a plan on the P7 platform is the initial step in your investment journey. 

However, a plan becomes active only after you sign a formal agreement, which is governed by our electronic signature terms and conditions.

This process ensures that all legal and procedural aspects are duly fulfilled, providing a secure and transparent investment experience.

Investor Eligibility and Restrictions: P7 is committed to ethical and lawful operations, which includes adhering to international regulations and standards. As such, there are certain restrictions on who can invest with us:

1. Politically Exposed Persons (PEPs)

Politically Exposed Persons (PEPs): Individuals who hold prominent public positions, along with their immediate family and close associates, may be subject to additional scrutiny to prevent any potential conflicts of interest or unlawful activities.

2. Sanctioned Individuals and Entities

Individuals or entities that are under international sanctions, or are from countries under comprehensive sanctions, are not eligible to invest with P7. This is in compliance with global anti-money laundering and counter-terrorism financing laws.

3. High-Risk Individuals

Individuals who are involved in activities that pose a high risk, such as those with a known criminal background or those wanted by law enforcement agencies, are excluded from participating in our investment plans.

These measures are in place to maintain the integrity of our platform and ensure that our operations align with global financial standards and legal requirements.

ZENITH

Zenith Plan: A Path to Strategic Wealth Accumulation

Overview:

The Zenith plan is tailored for a medium-term investment horizon, specifically a three-year term. Investment entries range from a minimum of 10,000 euros to a maximum of 70,000 euros.

As a distinctive asset-backed loan, it offers a secure alternative to conventional investment avenues.

Investment Structure

The Zenith plan is structured as an asset-backed loan with a foundational annual return rate of 12.5%. 

This base rate can potentially increase to 16.2% annually through various optional bonuses such as the commitment bonus..

The plan’s focus is on sectors with proven resilience and growth, ensuring that your investment is not only profitable but also secure. 

The collateral framework encompasses various industries, aligning with the diverse nature of our portfolio, to offer robust security against market fluctuations.

This structure not only secures your capital but also ensures consistent returns, aligned with our goal of combining safety with profitability.

Investment Range

The Zenith plan is tailored for a medium-term investment horizon, specifically a three-year term.

Investment entries range from a minimum of 10,000 euros to a maximum of 70,000 euros.

Reinvestment Flexibility

The Zenith plan, spanning three years, permits investors to reinvest up to three times in total.

This includes the initial investment and the option to reinvest for two additional consecutive terms, each spanning three years.

After utilizing this plan for three consecutive terms (totaling nine years), investors are required to take a two-year break from the Zenith plan before they can reinvest in it again.

This structure ensures a balanced approach to long-term wealth building, allowing for sustained investment and growth over time.

Plan Ceiling and Accessibility

The Zenith plan maintains a stringent ceiling of €2.3 million for total investments.

This limit is a crucial aspect of our strategy to ensure effective management and optimal returns for each investor.

Once the aggregate investment in Zenith reaches this ceiling, we will temporarily suspend new entries to maintain the integrity and performance of the plan.

The plan will be reopened for new investments only after a substantial portion of the existing investments has been successfully returned to investors.

This approach guarantees that our focus remains on quality and personalized attention to each investment, rather than on an unmanageable expansion of the fund.

The plan’s accessibility is a dynamic process, influenced by the investment cycle and our commitment to maintaining a high standard of investment oversight.

Bonus Structure for Zenith Plan

The Zenith plan offers several bonus opportunities to enhance the profitability of your investment. Here’s a breakdown of the bonus structure:

  •  Reinvestment Bonus (0.9%): When you choose to reinvest your principal amount and the earned interest back into the Zenith plan, you receive an additional 0.9% on your annual interest rate. This bonus encourages the compounding of your investment, significantly boosting the overall returns over time.
  • Commitment Bonus (1%): If you commit to investing in two consecutive terms of the Zenith plan right from the start, an extra 1% is added to your base annual interest rate. This bonus rewards your long-term commitment and loyalty to the plan.

These bonuses are designed to reward investors for their loyalty, long-term commitment, and active participation in the growth of the P7 community. By taking advantage of these bonuses, you can elevate your annual yield from the base rate of 12.5% to as high as 16.2%, making the Zenith plan not only a stable investment choice but also a highly lucrative one.

Asset-Backed Security

The Zenith plan utilizes a strategic approach to investment, focusing on asset-backed loans within specific, thriving industries.

Investments from the Zenith plan are allocated to sectors such as hospitality and leisure, photographic equipment production, health and nutrition, talent management, film, and entertainment production.

Each industry has been carefully selected for its resilience and growth potential, ensuring that the underlying assets have enduring value and stability. By diversifying across these sectors, the Zenith plan not only minimizes risk but also leverages opportunities in varied fields, enhancing the potential for robust returns.

The collateral in these industries is tangible and industry-specific, offering additional layers of investment security. For instance, in hospitality and leisure, assets may include property and equipment, while in photographic equipment production, it could be the manufacturing facilities and technology. This diversification across different sectors provides a broad base of security, safeguarding your investment against sector-specific downturns and market volatility.

Through this careful structuring, the Zenith plan ensures that your investments are not only secure but also positioned for sustainable growth, rooted in the real-world economy.

Currency and Payouts

Transactions within the Zenith Plan are carried out in euros.

For international investors, payouts are recalculated based on the current exchange rate, ensuring equitable returns in line with global market trends.

In Zenith plan, the total return on your investment, including the principal amount and accrued interest, is paid out at the end of the investment term, known as the ‘maturity’ of the plan.
– This means that if you invest in any of these plans, you will not receive periodic interest payments throughout the term. Instead, the total interest accumulates and is paid out in a lump sum along with the principal amount at the end of the term.

Plan Acceptance and Restrictions

Choosing a plan on the P7 platform is the initial step in your investment journey. 

However, a plan becomes active only after you sign a formal agreement, which is governed by our electronic signature terms and conditions.

This process ensures that all legal and procedural aspects are duly fulfilled, providing a secure and transparent investment experience.

Investor Eligibility and Restrictions: P7 is committed to ethical and lawful operations, which includes adhering to international regulations and standards. As such, there are certain restrictions on who can invest with us:

1. Politically Exposed Persons (PEPs)

Politically Exposed Persons (PEPs): Individuals who hold prominent public positions, along with their immediate family and close associates, may be subject to additional scrutiny to prevent any potential conflicts of interest or unlawful activities.

2. Sanctioned Individuals and Entities

Individuals or entities that are under international sanctions, or are from countries under comprehensive sanctions, are not eligible to invest with P7. This is in compliance with global anti-money laundering and counter-terrorism financing laws.

3. High-Risk Individuals

Individuals who are involved in activities that pose a high risk, such as those with a known criminal background or those wanted by law enforcement agencies, are excluded from participating in our investment plans.

These measures are in place to maintain the integrity of our platform and ensure that our operations align with global financial standards and legal requirements.

ORACLE

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Overview:

The Oracle plan is a long-term investment strategy spanning five years, designed for substantial wealth accumulation.

It offers a blend of steady returns and additional earning opportunities through performance bonuses, suitable for investors seeking a balance of risk and reward.

Investment Structure

Oracle operates as an asset-backed loan, emphasizing stability and risk mitigation. Investments are made in sectors with proven resilience and growth, providing a secure base for your financial commitments. 

The Oracle plan is structured as an asset-backed loan with a foundational annual return rate of 17.1%. This base rate can potentially increase to 23.3% annually through various optional bonuses such as the commitment bonus and others. The plan’s focus is on sectors with proven resilience and growth, ensuring that your investment is not only profitable but also secure. This approach underscores the stability and risk mitigation inherent in Oracle’s design.

Investment Range

The Oracle plan accepts investments ranging from €100,000 to €800,000.

This range is tailored for investors aiming for significant capital growth and long-term investment. It aligns with the goals of those looking for substantial financial advancement.

Reinvestment Flexibility

Oracle permits up to five reinvestments, allowing investors to leverage their returns effectively.

This flexibility enables reinvestment of both the initial principal and the accrued interest, providing an opportunity for enhanced growth over the investment term.

Bonus Structure for Oracle Plan

The Oracle plan offers a range of bonuses to enhance the potential returns for investors. Here’s a breakdown:

  • 1% Commitment Bonus: This bonus is applied when an investor commits to two consecutive five-year terms right from the start. It adds 1% to the base annual return rate, boosting the potential earnings.
  • 0.9% Reinvestment Bonus: Investors who choose to reinvest their principal amount along with the earned return receive an additional 0.9% added to their interest rate. This bonus incentivizes reinvestment and long-term participation in the plan.
  • 0.5% Longevity Bonus: Starting from the second term of investment, the Oracle plan rewards longevity with an additional 0.5% added to the annual interest rate. This bonus acknowledges and rewards the continued commitment of investors.
  • 2% Cumulative Loyalty Bonus: A significant incentive for long-term investors, this bonus kicks in when an investor enters into their third consecutive five-year term with the Oracle plan. It adds 2% to the annual interest rate, significantly enhancing the profitability of the investment over time.

These bonuses are designed to reward investors who demonstrate commitment, loyalty, and a long-term view of their investment journey with P7.

Each bonus plays a strategic role in maximizing returns while aligning with the investors’ individual investment goals and timelines.

Plan Ceiling and Accessibility

The Pulse Plan’s ceiling is set at €10 million. 

This ceiling is a crucial aspect of our risk management strategy, ensuring that the plan remains sustainable and effective. 

Once the total investment in the plan reaches this ceiling, we temporarily pause the acceptance of new investments. 

This pause allows us to focus on fulfilling our commitments to current investors and ensures that the plan operates within its risk and management capabilities. 

The plan reopens to new investors only after at least 50% of the existing investments are paid out. 

This approach not only maintains the plan’s integrity but also safeguards investor interests.

Asset-Backed Security

The Pulse Plan’s investments are secured by industry-specific collateral. 

Specifically, the Oracle plan’s funds are allocated to:

  • Real Estate Development and Management: Investments in this sector are backed by physical real estate properties, which include both commercial and residential developments. These properties offer stability and long-term value appreciation.
  • Specialty Retail: This sector includes investments in high-end retail operations, often involving luxury items and bespoke services. The tangible nature of these goods provides a solid basis for the investment.
  • Maritime Services: Investments here are supported by maritime assets such as boats and yachts. These high-value items not only retain value but can also appreciate, providing an additional layer of security.
  • Banking Services: Investments in this sector are backed by financial instruments and assets within the banking sector, offering a mix of stability and profitability.

Each of these sectors has been chosen for their proven track record in value retention and growth potential.

The diversified nature of these collaterals ensures a robust defense against market volatility, making

Oracle a plan of choice for investors seeking both high returns and security.

Currency and Payouts

Transactions within the Oracle Plan are carried out in euros.

For international investors, payouts are recalculated based on the current exchange rate, ensuring equitable returns in line with global market trends.

In Oracle plan, the total return on your investment, including the principal amount and accrued interest, is paid out at the end of the investment term, known as the ‘maturity’ of the plan.
– This means that if you invest in any of these plans, you will not receive periodic interest payments throughout the term. Instead, the total interest accumulates and is paid out in a lump sum along with the principal amount at the end of the term.

Plan Acceptance and Restrictions

Choosing a plan on the P7 platform is the initial step in your investment journey. 

However, a plan becomes active only after you sign a formal agreement, which is governed by our electronic signature terms and conditions.

This process ensures that all legal and procedural aspects are duly fulfilled, providing a secure and transparent investment experience.

Investor Eligibility and Restrictions: P7 is committed to ethical and lawful operations, which includes adhering to international regulations and standards. As such, there are certain restrictions on who can invest with us:

1. Politically Exposed Persons (PEPs)

Politically Exposed Persons (PEPs): Individuals who hold prominent public positions, along with their immediate family and close associates, may be subject to additional scrutiny to prevent any potential conflicts of interest or unlawful activities.

2. Sanctioned Individuals and Entities

Individuals or entities that are under international sanctions, or are from countries under comprehensive sanctions, are not eligible to invest with P7. This is in compliance with global anti-money laundering and counter-terrorism financing laws.

3. High-Risk Individuals

Individuals who are involved in activities that pose a high risk, such as those with a known criminal background or those wanted by law enforcement agencies, are excluded from participating in our investment plans.

These measures are in place to maintain the integrity of our platform and ensure that our operations align with global financial standards and legal requirements.

Withdrawal and Payouts

General Terms Applicable to Each Plan

Withdrawal of Account Balance

Investors can withdraw their account balance at any time. However, it’s important to note that withdrawals are subject to various banking holidays and transactional delays, which may vary depending on the investor’s bank.

Fees and Charges

General Terms Applicable to Each Plan

No Fees on Principal Plans

We do not charge any management or administrative fees on our three principal plans: Pulse, Zenith, and Oracle. This ensures that investors can maximize their returns without worrying about additional costs.

P7's Obligations

General Terms Applicable to Each Plan

Fulfillment of Agreement Terms

P7 commits to upholding the terms outlined in each investment plan, ensuring that the stated returns, benefits, and conditions are met consistently and transparently.

Investor Rights

General Terms Applicable to Each Plan

Right to Asset-Backed Security

Investors have the assurance that their investments are backed by tangible assets, providing an additional layer of security and reducing the risk of loss.

Investor Obligations

General Terms Applicable to Each Plan

Compliance with Agreement Terms:

Investors are required to comply not only with the specific terms of their individual investment agreements but also with the broader terms and conditions of the website and platform. This encompasses adherence to all outlined investment timelines, limits, withdrawal rules, and other stipulations as per the platform’s policies and legal agreements.

P7's Rights

General Terms Applicable to Each Plan

Modification of Terms and Services

P7 reserves the right to modify the terms of service or investment plans, subject to legal and regulatory guidelines, while ensuring transparent communication of these changes to all investors.

Common Terms Explained:

General Terms Applicable to Each Plan

Asset-Backed Investments

Investments secured by tangible assets like real estate, equipment, or other valuable property. This reduces risk by providing a physical asset as collateral.