1.1 CapitalRise Finance Limited (firm reference number 739181), is an appointed representative of Gallium Fund Solutions Ltd ("Gallium") which is authorised and regulated by the Financial Conduct Authority ("FCA") under firm reference number 487176. References in these Terms and Conditions to "we", "us" and "our" are to CapitalRise.
1.2 The CapitalRise service is available to investors that become members through our website. We provide members with details of potential investments, such as bonds and shares issued by companies ("Property Companies") we set up to acquire an interest in a real estate asset. CapitalRise or its associates shall provide the directors for and own the voting rights in the Property Company.
1.3 If you are eligible for membership, you can invest online and receive online investment reports.
1.4 Your money is subject to protection under the client money rules set out in chapter 7 of the Client Assets sourcebook of the FCA rules. Your money will be segregated from our money and held by Gallium Fund Solutions Ltd, in a segregated client money account held at a bank or building society approved by the FCA until such time that the funds are transferred for investment. Neither we nor Gallium Fund Solutions Ltd shall be liable in the event of default by a bank, other borrower, agent, broker or other person who is holding your money pursuant to these Terms. Any interest earned on the balance of the client money account will be retained by Gallium Fund Solutions Ltd and is not payable to you.
1.5 The Property Company will use the investment proceeds to make a loan or re-finance an existing loan to a property developer, who will use the proceeds of such loan to either invest in or redevelop property, as set out on our website in the Investment Opportunity page for that investment .
1.6 All loans to developers will be secured by a first or second charge over the development or investment property, granted by the developer in favour of the Property Company, as set out in the Investment Opportunity page for that investment. The security arrangements are set out in section 4 below.
1.7 We will treat all members as retail clients for the purposes of the FCA rules (retail clients receive the highest degree of regulatory protections under those rules).
1.9. We reserve the right to restrict access to some parts of our site to registered users and permitted investors.
1.10. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
1.11. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any other person.
1.13. We cannot guarantee that the website will be free from viruses and will not be responsible for the consequences of any viruses you may import from the website. You should only use the website for the investment purposes for which it is designed.