All persons who register as an 'investor' on this Website should read carefully the following warnings before making any investment.
All investment products carry risks. The relevant webpages and documents will cover risks specific to an individual offer. Please bear in mind the following general risks involved when investing through this Website:
YOUR PERSONAL DECISION TO INVEST
A decision to invest in a company is a personal decision by you and no responsibility for the consequences of that decision is accepted by either Co-Lend or ShareIn or by any of its partners, directors, agents, employees or other members. To invest through this Website you need to understand the following important risks:
YOU ARE NOT COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME
This platform is for making investments. Investments are not covered by the Financial Services Compensation Scheme. Before it is invested or once the proceeds of investments are returned, your money will be held by the money recipient in a client account and subject to separate protections applicable to credit institutions and banks.
LOSS OF INVESTMENT
Investments, whether in new or existing businesses, carry high risks as well as the possibility of high rewards. Accordingly, each investor should consider very carefully whether such investments are suitable in the light of their own personal circumstances, commitments and available financial resources. Engaging in any investment activity may expose you to a significant risk of losing all of your investment. If a company fails, it is likely that you may lose all, or part, of your initial investment and receive no outstanding or future interest payments. In such circumstances neither the company nor Co-Lend nor ShareIn will pay you back your investment.
Most of the companies in which Co-Lend invest are new companies with limited if any track record. These companies will provide information such as their business plan and financial forecasts. Please be warned that these documents are not guarantees that the relevant company can achieve what it is hoping to do. Equally the information provided may state certain facts and statements, and again please be warned that neither Co-Lend nor ShareIn are responsible for checking the accuracy of these facts and statements, which may not always prove to be true or complete.
As an investor you should be aware that no established market exists for the trading of the bonds in private companies, and such bonds are not easily realisable. It must be appreciated that there could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at any price.
DIVERSIFY YOUR PORTFOLIO
Diversification by spreading your money across different types of investments should reduce your overall risk of financial loss. We highly recommend investors do this to maintain a balanced portfolio. Investors should also consider avoiding putting their money in the same investment as immediate family members. Investors should only invest a proportion of their available investment funds due to the high risks involved
Co-Lend and ShareIn recommend that you take your own tax advice on any investments which you make via this Website.
Neither Co-Lend nor ShareIn provide advice or make personal recommendations. If you are in any doubt about the action you should take or the contents of a particular Offer Document, you should seek advice from an independent financial advisor authorised under the Financial Services and Markets Act 2000.
Past performance is not a reliable indicator of future performance. You should not rely on any past performance as a guarantee of future investment performance.
Where security is in place or assets held in support of the investment, there is a risk that if the underlying borrower defaults, or if there is a delay in realising the asset, then the asset may not be sold for enough to cover the loan or may result in delayed repayment of investors’ money. Additionally, where the security is not a first charge, in the event of a sale of the asset funds will be available to be paid to investors only after payment to the chargeholders who rank ahead of investors.