Terms

Terms of use

PLEASE READ THESE TERMS AND CONDITIONS FULLY BEFORE USING THIS PLATFORM

These terms tell you the rules for using our website www.youcapital.com (‘our site’).

Risk Warning: Investing in or lending to early stage businesses involves a high level of risk,  including illiquidity (inability to sell assets quickly or without substantial loss in value), lack of  dividends, loss of capital and dilution risks and it should be done only as part of a diversified portfolio. Tax treatment depends on the individual circumstances of each investor and may be  subject to change in the future. Your capital is at risk. Please  read these terms of use including the limitation on liability section. We do not provide advice or recommendations in respect of any investment opportunities and all  investment decisions are made at your own risk.

BY USING OUR SITE YOU ACCEPT THESE TERMS

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

Terms of use  

These terms of use will govern your use of our website www.youcapital.com and our YOU CAPITAL  app (“Platforms”), whether as a guest or a registered user. Use of the Platforms includes  accessing, browsing, or registering to use any of our Platforms and by using our Platforms you  agree to be bound by these terms. We recommend that you print a copy of these terms of use for  future reference.

Other important terms and conditions that may apply to you

In addition to these terms of use, your use of the Platforms will also be subject to our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or  that you provide to us. By using our Platforms, you consent to such processing and you warrant  that all data provided by you is accurate. 

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to this site

We may update and change our site from time to time to reflect changes to our services, our users’ needs and our business priorities or for commercial purposes. We will try to give you reasonable notice of any significant changes.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Who we are and how to contact us

YOU CAPITAL is a site and app operated by You Capital Ltd ("we” or “us"). We are a company  registered in England and Wales (company number 07730975) and our registered address is 4  York House, Langston Road, Loughton, Essex, England, IG10 3TQ. Our VAT number is 198 2962 49. 

YOU CAPITAL is not a crowdfunding originator. We do not provide advice or recommendations in respect of any investment opportunities and all  investment decisions are made at your own risk. We are not subject to schemes which seek to  redress failings in financial services including, without limitation, the Financial Ombudsman Service or the  Financial Services Compensation Scheme.

Investing in early stage businesses or any size of  business involves risks, including illiquidity, lack of dividends, loss of capital and dilution. The risks  vary for different types of investment and you should carefully read the explanation of the risks  before proceeding with any transaction or communication. Your capital is at risk. For the avoidance of all doubt, we do not engage in any regulated activities as defined in the Financial Services and Markets Act 2000 and its related secondary legislation. You are urged to take your own legal, tax and financial advice.

Pricing  

If you launch a project that needs investment on our Platforms you will not be charged. However this may change in the future if you launch more than one project. Investors  can search for projects to potentially invest in and will not be charged. If you use our platforms to  make an investment in a project, you are 100% responsible for any losses or gains you incur. 

Accessing our platforms

We do not guarantee that our Platforms, or any content on it, will always be available or be uninterrupted. We may  suspend, withdraw, discontinue or change all or any part of our Platforms without notice. We will  not be liable to you if for any reason our Platforms are unavailable at any time or for any period.  You are responsible for making all arrangements necessary for you to have access to our  Platforms. You are also responsible for ensuring that all persons who access our Platforms  through your internet connection are aware of these terms of use and other applicable terms and  conditions, and that they comply with them. You must be at least 18 years old to access the  services on our Platforms. 

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Our site is only for use in the UK

Our Platforms are intended for those resident in the United Kingdom only. We do not represent that content available on  or through our platforms is appropriate, available or otherwise approved for distribution in other  locations. We may limit the availability of our Platforms or any service or product described on our  platforms to any person or geographic area at any time. If you choose to access our platforms  from outside the United Kingdom, you do so at your own risk. 

Changes to our Platforms 

We may update our platforms from time to time, and may change the content at any time.  However, please note that any of the content on our Platforms may be out of date at any given  time, and we are under no obligation to update it. We do not guarantee that our Platforms, or any  content on it, will be free from errors or omissions. 

Your account and password – you must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of  information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification  code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or  suspect that anyone other than you knows your user identification code or password, you must  promptly notify us at info@youcapital.com.

Intellectual property rights – how you may use material on our site  

We are the owner or the licensee of all intellectual property rights in our Platforms, and in the  material published on it. You may print off one copy, and may download extracts, of any page(s)  from our Platforms for your personal use. You must not modify the paper or digital copies of any  materials you have printed off or downloaded in any way, and you must not use any illustrations,  photographs, video or audio sequences or any graphics separately from any accompanying text.  Our status (and that of any identified contributors) as the authors of content on our platforms  must always be acknowledged. You must not use any part of the content on our platforms for  commercial purposes without obtaining a licence to do so. If you print off, copy or download any  part of our platforms in breach of these terms of use, your right to use our Platforms will cease  immediately and you must, at our option, return or destroy any copies of the materials you have  made.

You must not: 

(i) Disassemble or attempt to reverse engineer any software in our platforms,Copy or  distribute content from our platforms (save as otherwise permitted by these terms of  use) or seek to copy, remove or alter any regulatory notices, trademarks, logos or  business names from our Platforms; or 

(ii) Use a program or application to scrape, copy or index the content from our Platforms.

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this site

The content on our Platforms is provided for general information only. It is not intended as advice  and you should place no reliance on it. You must obtain professional or specialist advice before  taking, or refraining from, any action on the basis of the content on our Platforms.

Although we  make reasonable efforts to update the information on our platforms, we make no  representations, warranties or guarantees, whether express or implied, that the content on our  platforms is accurate, complete or up-to-date. 

We are not responsible for third party content

Our Platforms may contain links to other sites and resources provided by third parties. We have  no control over the contents of those sites or resources and they may be governed by separate  terms and conditions. We do not accept responsibility or liability for the content of any third party website, including (without limitation) whether or not any financial promotion is clear, accurate  and not misleading. You should ensure that you understand the regulatory notices, terms and  conditions and privacy policies of any third party website which you might be agreeing to. 

User-generated content is not approved by us

This website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

If you wish to complain about content uploaded by other users, you must  promptly notify us at info@youcapital.com

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising  from our negligence, or our fraud or fraudulent misrepresentation. To the extent permitted by  law, we exclude all conditions, warranties, representations or other terms which may apply to our  Platforms or any content on them, whether express or implied. We will not be liable to any user  for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty,  or otherwise for, losses that:

(i) were not foreseeable to you and us; or 

(ii) that were not caused by any breach of duty or contract on our part; or 

(iii) relate to loss of capital or investment opportunity or return; or

(iv) relate to business losses; or 

(v) arising under or in connection with the use  of, or inability to use, our Platforms or use of or reliance on any content displayed on our Platforms. 

In addition, we have no liability to you for any loss of profit or business interruption. We will not  be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other  technologically harmful material that may infect your computer equipment, computer programs,  data or other proprietary material due to your use of our Platforms or to your downloading of any  content on it, or on any website linked to it. We assume no responsibility for the content of  websites linked on our platforms. Such links should not be interpreted as endorsement by us of  those linked websites. We will not be liable for any loss or damage that may arise from your use of  them. 

Whether you are a consumer or a business user:

• We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.
• In particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user:

• Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

Uploading Content to our site

You warrant that any such contribution does comply with acceptable use standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with acceptable use of our site.

You are solely responsible for securing and backing up your content.

Rights you are giving to us to use material you upload

When you upload or post content to our site or Platforms, you grant us the following rights to use that content:

• A worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the website and across different media including to promote the site or the Platforms forever

Viruses

We do not guarantee that our Platforms will be secure or free from bugs or viruses.

You are  responsible for configuring your information technology, computer programs and platform in  order to access our platforms. You should use your own virus protection software.

You must not  misuse our Platforms by knowingly introducing viruses, trojans, worms, logic bombs or other  material which is malicious or technologically harmful. You must not attempt to gain unauthorised  access to our platforms, the server on which our platforms is stored or any server, computer or database connected to our platforms. You must not attack our platforms via a denial-of-service  attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing  your identity to them. In the event of such a breach, your right to use our platforms will cease  immediately. 

Rules about linking to our platforms

You may link to our home page, provided you do so in a way that is fair and legal and does not  damage our reputation or take advantage of it.

You must not establish a link in such a way as to  suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our platforms in any website that is not owned by you.

Our platforms must not be framed on any other site, nor may you create a link to any part of our platforms  other than the home page.

We reserve the right to withdraw linking permission without notice.

If  you wish to make any use of content on our platforms other than that set out above, please contact info@youcapital.com. 

Digital content  

If we provide you with, or sell to you, any digital content on our platforms you may have certain  rights under the Consumer Rights Act 2015, including a right to cancel an order. You will not be  able to cancel an order for digital content once a download has commenced. We will acknowledge  orders by email but in certain circumstances we do not have to accept an order. All digital content  will only be provided in English. If we are unable to resolve any dispute with you, you may use the online dispute resolution (ODR) platform available on the Your Europe portal. The ODR platform  only relates to additional services we may agree to supply and is not applicable to your use of our  platforms generally. 

Which country’s laws apply to any disputes

These terms of use, its subject matter and its formation, are governed by law of England and Wales. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction in relation to  any proceedings. 

Trade marks

YOU CAPITAL is a UK registered trade mark of You Capital Ltd. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under these terms.

Contact us

To contact us, please email: info@youcapital.com. 

We hope you enjoy using our Platforms!