Terms & Conditions

1. Introduction

Welcome to the Smart Legals website. These Terms and Conditions govern your use of our website located at www.smartlegals.co.uk and any related services provided by Smart Legals.

By accessing and using this website, you accept and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.

Smart Legals is a property investment platform that facilitates investments in fixed-term bonds backed by UK property assets. The content of this website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000.

2. Definitions

In these Terms and Conditions, the following definitions apply:

• •"Company," "we," "us," "our" refers to Smart Legals, registered at 15 Parsons Court, Welbury Way, Aycliffe Business Park, County Durham DL5 6ZE.
• •"Website" refers to www.smartlegals.co.uk and all associated subdomains and pages.
• •"User," "you," "your" refers to any individual or entity accessing or using the Website.
• •"Bond" refers to the fixed-term property-backed bond instruments offered through the platform.
• •"Investment" refers to any funds placed into a Bond product through the platform.
• •"Investor" refers to a registered user who has made or intends to make an Investment.
• •"Security Trustee" refers to the independent regulated entity appointed to hold security on behalf of bondholders.

3. Use of Website

You may use our website for lawful purposes only. You agree not to use the website:

• •In any way that breaches any applicable local, national, or international law or regulation.
• •In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
• •To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material.
• •To knowingly transmit any data or send or upload any material that contains viruses or any other harmful programs.

You must be at least 18 years of age to use this website and to make any investment through the platform. By registering an account, you confirm that you meet the eligibility criteria for the investor category you have selected (High Net Worth Individual, Sophisticated Investor, or Self-Certified Sophisticated Investor).

4. Investment Terms

All investments made through Smart Legals are subject to the specific terms outlined in the relevant Bond documentation, including the Information Memorandum and Bond Instrument for each series.

Key investment terms include:

• •The minimum investment amount is £1,000 unless otherwise stated for a specific bond series.
• •Interest rates are fixed for the duration of the bond term as specified at the time of investment.
• •Interest may be paid on maturity or quarterly, depending on the option selected by the investor.
• •Bonds are fixed-term investments and early redemption is generally not available. In exceptional circumstances, early redemption may be considered at the discretion of the Company, subject to an early redemption penalty.
• •All investments are secured by a legal charge over property assets held by the Security Trustee on behalf of bondholders.

Smart Legals does not provide financial advice. The information on this website is provided for informational purposes only and should not be construed as advice. You should seek independent financial advice before making any investment decisions.

5. Risk Warnings

Investing in property-backed bonds involves inherent risks, including but not limited to:

• •The risk that the borrower may default on their obligations, resulting in a loss of capital and/or interest.
• •Property values may decline, which could affect the value of the security held against your investment.
• •These bonds are illiquid investments. You may not be able to sell or transfer your bond before the maturity date.
• •Tax treatment depends on individual circumstances and may be subject to change in the future.
• •The content of this website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Smart Legals or its content suppliers and is protected by United Kingdom and international copyright laws.

The Smart Legals name, logo, and all related product and service names, design marks, and slogans are trademarks of Smart Legals. You must not use such marks without our prior written permission.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our express written consent, except for temporary caching or printing of pages for personal, non-commercial use.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Smart Legals shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• •Your access to or use of (or inability to access or use) the website.
• •Any conduct or content of any third party on the website.
• •Any content obtained from the website.
• •Unauthorised access, use, or alteration of your transmissions or content.

Nothing in these terms shall limit or exclude our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded by English law.

8. Privacy

Your privacy is important to us. Our collection and use of personal information in connection with your access to and use of the website is described in our Privacy Policy.

By using the website, you consent to the collection and use of information as described in our Privacy Policy. We are committed to protecting your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

9. Amendments

We reserve the right to amend these Terms and Conditions at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the website after any such changes constitutes your acceptance of the new Terms and Conditions.

We recommend that you review these Terms and Conditions periodically to stay informed of any updates. Material changes will be communicated to registered users via email where possible.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.