This document is issued by Property Deal UK for and on its own behalf. Property Deal UK is not authorised or regulated by the Financial Services Authority.
The contents of this document have not been approved by a person authorised by the Financial Services Authority (“FSA”) for the purposes of Section 21 of the Financial Services and Markets Act 2000 (“FSMA”), and is made available in the United Kingdom only on the basis of certain exemptions pursuant to the FSMA. If these exemptions are not applicable then this document would require approval for the purposes of Section 21 FSMA. This document is (a) communicated to persons who receive the document outside the United Kingdom in accordance with Article 12(1)(a) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the “FP Order”) and (b) communicated to or directed at persons in the United Kingdom who fall within an exemption contained in the FP Order or are otherwise persons to whom this document may be communicated under the rules of the Financial Services Authority. This document is not directed at, and must not be acted on or relied on by, any other persons. The exemptions contained in the FP Order thought to be most relevant with respect to the communication of this document are the following :
Investment Professionals:
This communication is being made to you in reliance on your status as an investment professional on which basis you are informed that this communication is directed at persons having professional experience in matters relating to investments and the investments to which this communication relates are available only to such persons (or to other persons to whom this communication may lawfully be communicated), and unless another exemption applies, persons who do not have professional experience in participating in matters relating to investments (or such other persons) should not rely on this communication.
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There can be no assurance that the investment will achieve its investment objectives. The development, or/and re-development, or/and refurbishment of properties may exceed budget. Unforeseen events such as changes related to building permits, planning errors or other aspects of the development and redevelopment, shortage of necessary equipment, or adverse weather conditions, or other unforeseen events may cause cost overruns and delay or frustrate completion of a project. There can be no assurance that any overrun resulting from any occurrence will be adequately covered by insurance policies, or that such insurance will continue to be available. In the event of a budget overrun the investment may need to seek additional financing from outside sources in order to complete production. No assurance can be given as to the availability of such financing or, if available on terms acceptable. In addition, in the event of substantial budget overruns, there can be no assurance that such costs will be recouped, which could have a significant impact on the investment results.
Your Investment
The companies listed on our website are private companies owned by the respective borrower. When considering investing, you must take into account the risks inherent in the transaction. By investing in loans, your capital is at risk and there is a risk that you may not get back what you put in. You should not invest more money through the platform than you can afford to lose without altering your standard of living.
Using our website you can invest in loans issued by unlisted companies which may be start-up or newly formed companies looking for funding for their property project. In some cases, the companies may not have a long history or track record and your investment may be at a risk of losing significant value or all of their value. The Property Company may be unable to meet its repayment obligations. Crowd with Us will not be liable to you for any failure by the Property Company to honour your rights in relation to your investment.
A listed company is required to comply with strict corporate governance and disclosure requirements as stipulated by the listed exchanges, on which the company securities are listed, or by other regulations. However, in the case of an unlisted company, there are no statutory requirements to make any disclosure in case of any change in control or significant change in operational activities. We cannot guarantee and therefore will not be liable to you for any failure to keep you informed of any such matters.
Investors should consider whether each deal promoted sufficiently describes the various risks and conflicts of interest relating to the developers business and their project. We will provide guidance to developers to assist them in preparing full and fair disclosure of all risks in their application. However, we have no ability to guarantee whether all such risks have been accurately described or disclosed and we therefore cannot be held liable for any failure to do so. Before making any investment decisions, you should fully assess the risks involved and query any matters where you feel inadequate risk disclosures have been made.
Risk Mitigation:
Crowd with Us will assess each borrowers application for funding. We will use our best efforts and knowledge to assess whether we feel that their proposal is financially viable. If an unfortunate situation arises where a Property Company or a borrower cannot fulfil their obligations under the terms of the loan, then a trustee will exercise their powers to attempt to recover the interest and capital owed to the investors by the Property Company.
Risk Monitoring:
Some borrowers may elect to have their accounts audited by external auditors. However, there is no requirement for them to undertake audits as the property Companies are unlisted companies.
