Disclaimer & Risk Notice
Important information about the risks associated with tokenized real estate investments and regulatory compliance.
Key Facts Summary
Informational Only
The Site is informational only — no tokens are for sale
Future KYC/AML
Future participation will require KYC/AML checks
High Risk
All investments carry risk, including the possibility of losing your entire capital
Regulatory Status
Platform does not constitute a regulated investment marketplace
1. Informational purpose only
LandLedger Technologies is a technology company in development. This Site is for educational and informational purposes only. We do not currently issue, sell, or broker tokens, securities, or investment products.
2. Regulatory engagement
LandLedger is engaging with:
The Securities and Exchange Commission of Ghana (SEC)
Under the Securities Industry Act, 2016 (Act 929)
The Bank of Ghana (BoG)
Under the Payment Systems and Services Act, 2019 (Act 987)
The Registrar General's Department (RGD)
For company registration and compliance
We are also closely monitoring Ghana's forthcoming Virtual Asset Service Provider (VASP) regulations and intend to align fully with the framework once implemented.
Until regulatory processes are complete, our platform does not constitute a regulated investment marketplace.
3. Future compliance & KYC/AML
If future products are launched, participation will require Know-Your-Customer (KYC) and Anti-Money Laundering (AML) verification. This will be implemented in line with:
Ghana's Anti-Money Laundering Act, 2020 (Act 1044)
Bank of Ghana's tiered KYC framework:
Tier 1: Basic KYC for mobile money users (low limits, USSD access)
Tier 2: Enhanced KYC for higher-value transactions
Tier 3: Full KYC for advanced services and diaspora participation
International AML/CTF standards
Including the Financial Action Task Force (FATF) guidelines
4. Risk Factors
Investing in real estate and emerging technologies involves significant risks, including:
Capital loss
You may lose all or part of your investment
Market fluctuations
In property values
Project risks
Including delays or failures
Liquidity risk
Including difficulty selling tokens
Currency risk
All LandLedger tokens are issued and settled in Ghana Cedis (GHS), which is the sole legal tender in Ghana under the Foreign Exchange Act, 2006 (Act 723) and Bank of Ghana directives. Certain developer lease agreements in Ghana may reference or benchmark USD values. In such cases:
• Investor returns may be benchmarked to USD performance for guidance, but all payments will always be made in GHS
• Conversion will use the Bank of Ghana's published reference rate at the time of settlement
• This ensures that while settlement occurs in GHS, investor payouts reflect the USD-linked terms of underlying leases, reducing exposure to Cedi depreciation risk
• Foreign currency figures displayed on our Site are illustrative only and do not represent invoicing or settlement in USD
Regulatory risk
As frameworks evolve in Ghana and abroad
Platform risk
As LandLedger remains in early development
⚠️ Risk Warning
Investments in tokenised real estate are high-risk. You may lose your entire investment. Tokens, if and when offered, will not be insured deposits and will be subject to market, liquidity, regulatory, and platform risks. Only invest money you can afford to lose. Seek independent professional advice before making financial decisions.
5. Updates
This Disclaimer & Risk Notice may be updated periodically. Please review it regularly for the latest version.
Questions About Risks?
Our compliance team is available to discuss risk factors and regulatory matters related to our platform.
compliance@landledger.africa
Address
Haatso, Accra, Ghana
Need More Information?
Download our complete risk disclosure document or contact our compliance team for detailed information.