1 What a Promissory Note Is
A promissory note is a written legal instrument in which one party (the maker) promises to pay a specific sum of money to another party (the payee) under agreed terms. In the The House of Kijana arrangement, Czar J. Kijana is the maker and the Member is the payee.
The note creates a legal obligation. It specifies the principal amount, the profit-sharing terms, the withdrawal right, the risk acknowledgement, and the governing law. It is signed by both parties before any funds are transferred.
2 Why The House of Kijana Uses Notes
Promissory notes are used because they create a clear, written, legally enforceable record of the arrangement. They protect both parties. The Member has a written record of the obligation. Czar has a written record of the agreed terms.
The note is not a securities instrument, an investment contract, or a partnership agreement. It is a private debt instrument between two individuals who know each other personally.
3 Standard Terms Explained
Parties
The Member (you) and Czar J. Kijana, operating as The House of Kijana. Both parties are named explicitly in the note.
Principal Amount
The exact amount being lent, stated in US dollars. This is the amount the note obliges Czar to repay, subject to trading performance.
Profit-Sharing Terms
80% of net trading profits to the Member. 20% retained by The House of Kijana. These terms are fixed and do not change.
Withdrawal Right
The Member may request return of principal at any time. Repayment is subject to available liquidity and open trading positions.
Risk Acknowledgement
An explicit acknowledgement that principal is at risk, that there is no FDIC or SIPC protection, and that repayment is not guaranteed.
Governing Law
The note is governed by the laws of the State of Wyoming. Both parties are encouraged to seek independent legal review before signing.
4 Sample Note Document
The following is a representative sample of the promissory note used in the The House of Kijana arrangement. Bracketed fields indicate information that is completed for each specific Member.
PROMISSORY NOTE
Private Lending Arrangement — The House of Kijana — State of Wyoming
5 Before You Sign
Before signing any promissory note, Czar strongly encourages every prospective Member to:
- Read the note carefully and ask questions about any term you do not understand.
- Seek independent legal review from an attorney of your choosing.
- Read the full Risk Disclosure Statement.
- Review the Track Record, including the January 2026 loss event.
- Confirm that the amount you are lending is an amount you can afford to lose entirely.
- Have a direct conversation with Czar about any questions or concerns.
No pressure. There is no deadline, no urgency, and no pressure to sign. The first conversation exists to make sure both parties are clear. If the arrangement is not right for you, that is a completely acceptable outcome.
6 Related Resources
Ready to Review the Actual Note?
The actual promissory note is prepared after a private conversation with Czar. There is no obligation at the conversation stage — only information.
Request an AudienceThis is a high-risk private lending arrangement. Only participate with funds you can afford to lose entirely.
