​1. Introduction

These Terms of Service ("Terms") govern your use of Your Property Portal Ltd's website and investment services, including off-plan property investments, social housing, assisted living investments, and mezzanine finance. By engaging with our services, you confirm that you have read, understood, and agreed to these Terms.

2. Services We Provide

Your Property Portal Ltd offers property-backed investment opportunities, including:

• Off-Plan Investments: Opportunities to invest in properties before completion.

• Social Housing & Assisted Living: Investments secured with long-term, government-backed leases.

• Mezzanine Finance: Structured funding solutions for property developers.

• Property Deal Sourcing: Identifying below-market-value (BMV) opportunities for investors.

We act as facilitators, connecting investors with developers and property opportunities. We are not financial advisors or regulated investment managers.

3. Investor Eligibility

To access investment opportunities, you must confirm that you are one of the following:

• High Net Worth Individual: Earning £100,000+ annually or holding £250,000+ in net assets (excluding primary residence, pension, or life assurance).

• Self-Certified Sophisticated Investor: With relevant investment experience or membership in an investment network.

• Institutional/Professional Investor: Acting on behalf of an authorised entity or professional body.

By engaging with our services, you confirm that you meet these criteria and understand the risks associated with investing.

4. Risk Disclosure

Property investments carry risks, including but not limited to:

• Market Fluctuations: Property values can rise or fall.

• Rental Risks: While many of our investments offer guaranteed returns, rental income is subject to the terms of individual agreements.

• Development Risks: Off-plan properties may face delays or changes during construction.

Investments are not covered by the Financial Services Compensation Scheme (FSCS). We strongly recommend seeking independent legal and financial advice before committing to any investment.

5. Referral Fees & Compensation

Your Property Portal Ltd may receive referral fees, commissions, or other compensation from developers, housing associations, or other partners for facilitating investment opportunities. This does not affect the investment terms you are offered.

6. Investment Agreements

All investments are governed by individual contracts between you and the developer, housing association, or financing partner. Your Property Portal Ltd is not a party to these contracts and cannot be held liable for any breach or failure to perform.

Key investment terms, including returns, lease duration, and exit strategies, will be outlined in each project’s documentation. Ensure you review these documents carefully before proceeding.

7. Privacy & Data Protection

Your privacy is important to us. We collect and process personal data in accordance with our [Privacy Policy], ensuring your information is handled securely and transparently.

8. Liability Limitation

Your Property Portal Ltd acts as an introducer and facilitator. We do not guarantee investment performance and cannot be held liable for:

• Loss of capital.

• Delays in property completion.

• Non-payment of rental income.

• Any contractual disputes between investors and third parties.

Our total liability for any claim arising from these Terms shall not exceed the fees paid to us for the specific investment in question.

9. Termination of Services

We reserve the right to terminate or suspend your access to our services if you breach these Terms or if required by law.

10. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.