01. Risk Warning

● Peer-to-Peer (“P2P”) lending is not covered by the Financial Services Compensation Scheme (FSCS). Consequently, your capital may be at risk if a Borrower fails to repay a Loan that you have participated in;

● We do not provide any advice, nor do we make any recommendations to our Lender Members. We solely perform, on an “execution only” basis, the matching of business Borrowers to you as lender at your request;

● You should consider whether our lending Services meet your acceptable risk levels and investment objectives and you should only commit such funds for which you are able to financially bear the risk of loss considering all other financial commitments;

● By using our Services, you confirm that you have the necessary experience and knowledge in order to understand the risks involved in the transaction or are able to take advice from a relevant qualified investment professional or advisor to assist your understanding of the risks involved.

02. Your Representations & Warranties

● You are over the age of 18 years;

● You confirm that all personal information that you provide about yourself is accurate and true to the best of your knowledge;

● You hold a bank account in your own name and will use this account to transfer funds to the bank account of the lender, and any repayment of principal or interest will be repaid to this account, except where agreed otherwise with the lender;

● You have carefully considered the risks involved with using our Platform and also the risks associated with peer-to-peer lending, including but not limited to, the possibility of losing the funds you lend;

● You will not use the information posted on the Website for any purpose other than researching requests from Borrowers to borrow as listed on the Platform.

03. Confidentiality

● We offer anonymity to Lender Members. Borrowers are not provided with the name or identity of the Lender Members who have participated in Loans to them;

● You acknowledge and agree that the identity of Borrowers on the platform is confidential and you may not (unless required by law) disclose the identity of any Borrower to anyone except your Independent Financial Advisor or legal advisors;

● Nothing in this clause prevents the discussion of Borrowers and Loans on discussion forums, provided that the provisions of this clause are complied with. If you breach the provisions of this clause 19.

04. Tax

● We do not provide any advice or guidance in relation to tax or otherwise and therefore we strongly recommend that you consult an independent financial advisor or tax advisor if you are unsure as to what your tax obligations are;

● Our Services are provided to you without the withholding of any tax on interest generated on any Loans in which you participate. It is your responsibility to ensure that any tax liabilities which you incur (though interest earned through Loans placed on the Platform or otherwise) are paid to the relevant taxation authority;

● We have no liability in relation to any tax liabilities incurred by Lender Members or Borrowers.