Website, programs & payments.

These disclosures explain how to interpret information on the Meritocracy Ventures Inc. website and investor portal (the “Company”). They provide general guidance about our programs and payment process. They do not replace an offering document, subscription agreement, loan agreement, purchase agreement, or bank-payment authorization.

Participation shall be governed by the applicable definitive agreements, eligibility requirements, and law. Where a website summary differs from an executed agreement, the agreement and mandatory law shall control. Creating an account, receiving portal approval, choosing a program, or receiving a payment receipt does not, by itself, establish ownership, program admission, or a right to distributions.

Where a participation is a security, its offer and sale must satisfy applicable federal securities law, the Texas Securities Act, Texas State Securities Board rules, and other relevant laws. Registration, notice filing, qualification, or an available exemption may be required. This page does not certify the Company’s regulatory status or establish an exemption for any offering.

Please request and review the applicable offering documents before committing funds. Portal approval does not confirm that you meet the investor qualifications for a particular offering. No governmental authority is represented as having approved, recommended, or guaranteed an investment. Participation outside Texas, including in the United Kingdom or Canada, is subject to local requirements and the relevant offering documents.

Terms such as “contribution,” “participation,” and “impact” describe the experience but do not determine a transaction’s legal classification. Unless the applicable documents expressly provide otherwise, an investment payment is not a charitable donation and no charitable tax deduction is represented.

Every investment carries uncertainty, and you may lose some or all of the amount invested. Capital preservation, repayment, income, liquidity, project completion, and community outcomes cannot be assured. A participation is not an FDIC-insured deposit or a government-guaranteed obligation simply because payment is made through a bank.

Target returns, annual rates, repayment periods, growth plans, enrollment figures, and impact goals are estimates or objectives. They are not promises of future results. The target range shown for Company Investment does not create a fixed interest obligation or contractual entitlement. Actual outcomes may differ because of operating performance, borrower defaults, funding, market conditions, regulation, currency movements, or delays. Historical activity does not assure future performance.

Holding periods, distributions, transfer rights, and exit arrangements shall be governed by the applicable definitive documents. A five-year horizon does not itself guarantee repayment or an available exit at that time. There may be no secondary market, and withdrawal or resale may be restricted. Consider your ability to bear a loss and seek independent legal, tax, and financial advice when evaluating participation.

Company Investment. Company-wide participation is subject to the final capital structure and applicable offering documents. Portfolio descriptions do not independently establish ownership, payment priority, profit sharing, or distributions. Those rights, and the allocation of capital, must be set out in the definitive documents.

Nursing Empowerment Program. Education funding, zero-interest financing, repayment schedules, and placement-related revenue are subject to the relevant financing, education, and placement agreements and applicable law. Zero-interest financing does not mean that all third-party costs are waived. Admission, graduation, credential recognition, licensure, immigration authorization, employment, earnings, and repayment performance depend on individual circumstances and cannot be guaranteed. Investor terms are separate from student-loan terms.

Community Housing Program. Housing, construction, occupancy, and ownership arrangements depend on funding, availability, title, zoning, permits, construction conditions, and definitive agreements. Website descriptions do not convey title or establish a lease, home purchase contract, or mortgage commitment. Eligibility, completion, affordability, occupancy, and appreciation are not assured.

Agricultural Development Program. Agricultural operations, including references to Didar Premium Rice, are exposed to weather, water availability, crop performance, commodity prices, supply chains, currency movements, land-use requirements, and operating conditions. Production, sales, export access, and distributions may vary and are not guaranteed.

Community Business Investment Fund. Business participation is subject to the applicable financing or investment structure, selection process, and definitive agreements. Business survival, profitability, repayment, and future funding cannot be assured. The use of “fund” does not alone establish a particular legal or regulatory classification.

Programs described as planned or “coming soon” may be modified, delayed, or discontinued. A program’s appearance on the website or in a selector does not confirm that participation is legally available, a project has commenced, or an investment has been accepted. Please obtain written confirmation of availability and the applicable documents before paying. Community impact statements express goals; measured outcomes depend on implementation and supporting evidence.

Payments are in United States dollars unless expressly stated otherwise. ACH payments are processed through Stripe and participating financial institutions. Wire or other bank-transfer methods are available only when enabled for the transaction; this page does not indicate that wires are currently enabled.

Bank details and debit authorization are provided through the payment provider’s checkout. The amount, account, and authorization shown there govern the payment instruction. These disclosures do not independently authorize a debit or recurring payment. Please use an account you are authorized to operate and keep bank credentials out of general contact forms and ordinary email.

Checkout submission, an acknowledgment email, or a pending portal entry does not confirm final settlement, investment acceptance, or issuance of an interest. ACH processing may take several business days, and payments can be delayed, returned, disputed, or reversed. Provider-confirmed payments appear in contribution totals; those totals are administrative payment records, rather than a valuation, earnings statement, or redemption entitlement. Later reversals may require reconciliation or correction.

If a payment remains pending, please contact our team before submitting it again. We can help investigate duplicates, errors, or payment status. Where bank-transfer instructions are available, obtain them through the authenticated payment process and verify them before sending funds.

Refund, cancellation, rescission, withdrawal, and redemption rights shall be determined by applicable law and the relevant definitive agreements. This page does not impose a blanket no-refunds policy. For a mistaken or duplicate payment, or a request to cancel proposed participation, contact info@meritocracyventures.com promptly with non-sensitive details identifying the transaction. A request does not itself stop a pending bank transfer or establish a redemption right.

Approved refunds are subject to verification, available funds, provider procedures, bank processing times, and applicable legal requirements. Any transaction-specific fees must be disclosed in the relevant documents or checkout; this page does not create an additional charge. Rights concerning unauthorized transfers, bank disputes, consumer protection, fraud, and other nonwaivable remedies remain unaffected. Your bank can explain applicable notice periods and error-resolution procedures.

Website information helps you explore our work and is not individualized investment, tax, legal, medical, immigration, or professional advice. Program summaries and impact descriptions are intended to support, rather than replace, transaction-specific due diligence. References to third-party institutions or development models do not imply affiliation, endorsement, sponsorship, or accreditation unless expressly supported.

Website and portal information may be preliminary, delayed, or subject to correction, and electronic services may occasionally be interrupted. Subject to law and express commitments in definitive agreements, general website information is provided without assurance of completeness, currency, or suitability for a particular purpose. This qualification does not limit duties concerning accurate material disclosures, fraud, or misleading statements.

The intended governing-law framework for website matters is Texas law and applicable United States federal law, subject to mandatory requirements and any different provision in an executed definitive agreement. Accessing this page does not alone establish exclusive venue, arbitration, a jury-trial or class-action waiver, or a release of claims.

Nothing in these disclosures waives rights that cannot lawfully be waived under the Texas Securities Act, the Texas Deceptive Trade Practices–Consumer Protection Act, federal securities law, electronic-fund-transfer law, or other controlling law. Any unenforceable provision shall be limited to the extent permitted by law while preserving those rights. Updates to this informational page do not retroactively change an executed agreement.

We welcome questions about program availability, payment status, corrections, or these disclosures at info@meritocracyventures.com. Before committing funds, request the documents identifying the issuer or contracting party, transaction structure, eligibility requirements, material risks, use of proceeds, fees, and any withdrawal or refund provisions. These disclosures supplement, rather than replace, offering-specific legal review and required filings.