Risk Warning

Investing involves financial risks.

1. Loss of Capital

Investing in a business (via a loan or shares or any form of debt or equity) can lead to a loss of your capital and there is a risk that the companies or individuals you invest in may default. You should not invest more money than you can afford to lose. If you are unsure about any aspect of the information provided, you should seek advice from an independent financial adviser.

2. Illiquidity

Any investment you carry out through Huddle Nominees Limited or another trustee company used to administer the bare trust of which you are a settlor or beneficiary can be highly illiquid. Whilst we do offer a secondary market, there is no guarantee that there will be a willing buyer or that the investment will be bought at the desired price. Even for a successful investment that is generating the required return, the underlying principal you have invested will not be accessible to you until the investment expires or you are successful in finding a willing buyer on the secondary market. In particular, if you are over the age of 60 at the time of investing you should consider the effect this illiquidity could have on your lifestyle.

3. Diversification

Investments in assets should be done as part of a diversified portfolio. This means that you should invest small amounts in multiple asset classes as opposed to a large amount in one or a few. You should also invest only a small proportion of your investable capital in this asset class, with the majority of your investable capital invested in safer, more liquid assets. You are able to further diversify by investing in multiple businesses on the iHUDDLE platform as opposed to just one.

4. Tax

You are responsible for the administering of your own tax affairs, which may include capital gains and/or income tax. Each time you invest, you must satisfy yourself prior to making any commitment that you understand and accept the tax consequences to you. We do not provide tax advice and you should seek this independently before lending if you are unsure of your position. It is your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will affect your tax status you must seek professional advice before you invest. Tax treatment is dependent on the individual circumstances of each client and may be subject to change in the future.

5. Financial Services Compensation Scheme

Investing through the  iHUDDLE platform is not covered by the Financial Services Compensation Scheme.

6. Advice

iHUDDLE LIMITED and its affiliated entities and individuals do not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of iHUDDLE on the basis of information provided. iHUDDLE LIMITED and its affiliated entities and individuals take no responsibility for this information or for any recommendations, opinions or predictions.

7. Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.

8. Future performance

Investees may provide forward-looking statements with respect to future results. Forward-looking statements are not guarantees of future results or performance and many different factors could cause actual results to be different from those that may be expressed or implied by such forward-looking statements. As such, forecasts are not a reliable indicator of future performance.

9. Lack of Operating History

Many investees and their associated investment opportunities on the iHUDDLE platform are recently formed entities and have no substantive operating history upon which prospective investors can evaluate likely performance.

10. Currency exchange rates fluctuate

iHUDDLE may from time to time also provide investment opportunities where the loan might not be denominated in GBP. We will clearly mark those opportunities. Members should note that iHUDDLE will not undertake to hedge any currency risk for anybody’s benefit, variations/fluctuations in market and currency can affect the repayment of the principal amount of the investment and of any return.

11. Client Classification

Before being allowed to invest, you will need to be classified as an investor type. You will need to provide the relevant information to us, which you warrant to be truthful and accurate, in order that we can classify you. Please follow the steps when signing up to complete this process. If you no longer fall into at least one of the categories of investor available, you will give immediate written notice to iHUDDLE LIMITED and you will not access, or try to access the service unless and until you fall into one or more of these categories again.

12. Jurisdiction

The information and services provided on the platform, website and associated materials are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where iHUDDLE LIMITED is not authorised to provide such information or services. Some products and services described on the platform or on the website may not be available in all jurisdictions or to all clients.

13. Platform Failure

iHuddle Limited could cease business or may otherwise no longer be able to manage and administer the investments on your behalf. Arrangements are in place for a third party to manage and administer the investments, but new lending and the operation of the secondary market will be affected. Your capital remains at risk and a transfer of responsibility for the management and administration of the loans does not guarantee that the investee will repay or that the investment will redeem. For further details, see our FAQs.

This list of risk factors does not purport to be a complete enumeration or explanation of the risks involved. Prospective investors should read the relevant investees’ pitch documents in their entirety and consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the investee, you should seek advice from an independent financial adviser.