TERMS & CONDITIONS

Last Updated: December 22, 2025]

Welcome to Divine Grace Asset Holdings, LLC ("Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of the website located at www.divinegraceholdings.com (the "Site"), including any content, forms, communications, and services offered through the Site.

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Company Purpose and Educational Nature

Divine Grace Asset Holdings, LLC (the "Company") is a Wyoming limited liability company engaged in real estate investment activities, including the acquisition, ownership, and operation of multifamily and related real estate assets.

The content provided on this Site is for general informational and educational purposes only and is not intended to constitute:

• Investment advice

• Legal advice

• Tax advice

• Accounting advice

• An offer to sell or a solicitation of an offer to buy securities

Any securities offerings, if and when made, will be conducted solely through formal offering documents, including a Private Placement Memorandum ("PPM"), subscription agreement, and related disclosures, and only to eligible investors in compliance with applicable federal and state securities laws, including Regulation D under the Securities Act of 1933.

2. No Investment Guarantee

All real estate investments involve risk, including the possible loss of capital. Past performance is not indicative of future results. Divine Grace Asset Holdings makes no guarantees regarding:

• Returns

• Cash flow

• Appreciation

• Tax outcomes

You acknowledge that you are solely responsible for conducting your own due diligence and consulting with your own financial, legal, and tax advisors.

3. Investor Interest Lists and Communications

By submitting your information through any form on the Site (including investor interest lists, contact forms, or downloadable content), you acknowledge and agree that:

• The information you provide is accurate and complete

• Your submission does not constitute a commitment, offer, or obligation to invest

• You are requesting to receive information regarding potential investment opportunities and educational content

You expressly consent to receive communications from Divine Grace Asset Holdings via email, telephone, and SMS text message (where applicable). Message and data rates may apply. Consent to receive communications is not a condition of any investment.

You may opt out of communications at any time by following the unsubscribe instructions included in the communication or by contacting us directly.

4. No Client, Advisory, or Fiduciary Relationship

Your use of this Site does not create any client, advisory, fiduciary, partnership, joint venture, or agency relationship between you and Divine Grace Asset Holdings.

No relationship shall exist unless and until a formal written agreement is executed by the parties. You acknowledge that Divine Grace Asset Holdings does not act as your investment adviser, broker-dealer, or fiduciary.

5. Intellectual Property Rights

All content on this Site, including but not limited to:

• Text

• Logos

• Branding

• Graphics

• Images

• Videos

• Downloadable materials

is the property of Divine Grace Asset Holdings or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or use any content without prior written consent.

6. User Conduct

You agree not to:

• Use the Site for unlawful purposes

• Attempt to gain unauthorized access to the Site or its systems

• Submit false or misleading information

• Interfere with the operation or security of the Site

We reserve the right to restrict or terminate access for violations of these Terms.

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. Divine Grace Asset Holdings does not control or endorse third-party content and is not responsible for their practices, policies, or accuracy.

8. Disclaimer of Warranties

The Site and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Divine Grace Asset Holdings disclaims all warranties, including but not limited to:

• Merchantability

• Fitness for a particular purpose

• Accuracy, reliability, or completeness of information

• Non-infringement

Information on the Site may be forward-looking and involve known and unknown risks, uncertainties, and assumptions. Actual results may differ materially.

9. Limitation of Liability

To the maximum extent permitted by law, Divine Grace Asset Holdings shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

• Your use of or inability to use the Site

• Reliance on Site content

• Any errors or omissions

10. Indemnification

You agree to indemnify and hold harmless Divine Grace Asset Holdings, its members, managers, affiliates, and partners from any claims, damages, losses, or expenses arising from:

• Your use of the Site

• Your violation of these Terms

• Your violation of any applicable laws or regulations

11. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. Please review it carefully.

12. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles.

You agree that any legal action or proceeding arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located within the State of Wyoming.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site constitutes acceptance of the revised Terms.

14. Contact Information

If you have questions regarding these Terms, please contact:

Divine Grace Asset Holdings, LLC
Website: www.divinegraceholdings.com
Email: [email protected] (or your official company email)

By using this Site, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.