Shareholder guide

Benefits, eligibility and trade-offs

INOVIS is designed to help members build long-term equity and access services linked to that ownership. Benefits are conditional—not automatic guarantees—and should be considered alongside the risks and withdrawal rules.

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Use eligible benefits without routinely selling down your ownership

The concept combines shares, possible distributions and purpose-based borrowing. Its success depends on sound lending, liquidity, costs, governance and borrower repayments. It should not be read as a promise that wealth or income will always grow.

How the fund works Read the policy

Ownership and financial participation

  • Share-based equity. Approved contributions purchase shares at the applicable NAV per share.
  • Potential value growth. NAV per share may increase when net assets grow, but it can also fall.
  • Eligible distributions. Board-approved distributions may be allocated proportionally under the configured policy.
  • Reinvestment. Where offered, a dividend balance may be used to purchase more shares.

Borrowing options

  • Member loan products. Members may apply under the limits, rates and terms in force at the time.
  • Accrual-backed applications. Specific accrual purposes may carry a 0% policy rate up to the eligible balance.
  • Relationship rates. Approved people linked to a shareholder may qualify for a configured group rate.
  • Important condition. A displayed limit is not approval; assessment, evidence, liquidity and governance rules still apply.

Family and succession planning

  • Relationship records. Eligible family and other relationships can be recorded subject to verification and quotas.
  • Beneficiary nominations. Members can keep next-of-kin details current for the succession process.
  • Minor arrangements. Any account for a person under 18 requires a parent or guardian and must follow applicable law and policy.
  • Succession is not automatic. Identity, legal authority, liabilities and onboarding still need to be resolved.

Records and participation

  • Account records. Eligible members can review contributions, shares, loan positions, accruals and recorded returns.
  • Transaction history. Share movements are retained as dated ledger entries rather than an unexplained balance.
  • Governance. The configured board has 9 directors and material decisions follow recorded voting thresholds.
  • Member rights. Meeting, voting and nomination rights depend on the approved rules and eligibility thresholds.

What is not guaranteed

Membership does not guarantee a loan, dividend, positive return, immediate withdrawal or protection from loss. Before contributing, review the current Fund Policy and ask for the latest legal, licensing, audited-financial and risk disclosures.

  • Investment and borrower-default risk affect shareholder capital.
  • Liquidity constraints may delay lending or equity withdrawals.
  • Fees, taxes and policy changes can affect the value ultimately received.