Effective from October 2020

These terms apply to your use of our website and the services made available through it. You will be asked to confirm that you accept these terms when you register for an account as an investee or as an investor, however some of these terms will apply regardless of whether you register for an account and by browsing our website, you will be confirming your agreement to those terms.

You must be 18 years old or over to register for an account on our website.

Our website is currently directed to people residing in the United Kingdom only.

You should also read our Privacy Policy which explains what personal data we collect from and about you as a user of our website and services, how we use your personal data and other important information.

We are Ethical Equity Limited (trading as EE), a private limited company registered in England and Wales under company number 12154053 with our registered office at Engine Shed, Approach Road, Temple Meads, Bristol, England, BS1 6QH.

We aim to bring together businesses seeking investment with investors looking for opportunities to invest in ethical and Sharia-compliant businesses. In doing so, we merely act as an introducer and will not be involved with facilitating the execution of any investment made between investors and investees that have been introduced to each other through our website.

We are not regulated by the Financial Conduct Authority.

We do not handle any deposits or client monies.

We do not provide financial, investment, tax or other professional advice or make any recommendations regarding investment decisions.

All investment decisions are made at the risk of individual investors based on their own due diligence and the legal documentation negotiated directly between themselves and investees.

No information about any opportunities published on our website is intended to constitute a financial promotion under section 21 of the Financial Services and Markets Act 2000 or the Financial Services and Markets Act 2000 (Financial Promotions) Order 2005.

Limited information about opportunities can viewed on our website without registering an account. The information that can be viewed after registering an account is only intended to be viewed by investors that have self-certified as high-net-worth or sophisticated investors or who have confirmed that they are receiving advice as a client of a regulated firm that is advising them.

The opportunities published on our website are not intended to constitute an offer for sale to the general public or an invitation to subscribe for securities in any jurisdiction where this would be unlawful, where the person making such invitation is not qualified to do so or where making an offer or invitation to a specific person would be unlawful.

If you register for an account as an investee, you:

• confirm that you are seeking funds for an appropriately structured or incorporated business

• confirm that your business activities are legal and appropriate

• confirm that you have the necessary consents from your officers, shareholders or members to seek investment through our website

• consent to your business information being shared by us with prospective investors on our website and any other digital marketing channels and our appointed partners to evaluate the ethical basis of your business in line with ethical-Islamic principles or B-Corp (as appropriate)

• confirm that any information you provide regarding your business will be true, accurate and not misleading in all material respects

• acknowledge that any information provided about your business will be considered non-confidential and non-proprietary so that it may be published on our website (any material which you do not want to be published must be clearly marked as such)

• grant us a limited licence to copy and display any information provided about your business on our website

• acknowledge that we do not undertake any anti-money laundering or other checks on any investors registered with us, which you will be responsible

• acknowledge that you will be responsible for obtaining legal, tax and other professional advice regarding any investment

• agree to notify us of every investment made into your business by any investor that was introduced to you through our website

• agree to pay the fees due and payable to us set out below

• agree that the Investment Committee’s decision (with regards to listing) is final

If you are an investee or investor, you:

• confirm that you are 18 years old or over

• agree not to create multiple accounts for yourself using different email addresses or other names

• agree not to share your account credentials with anyone else (and acknowledge that we may suspend or terminate access to your account if we know or reasonably believe that your account credentials have been compromised)

• agree that, where uploading content is permitted, you will not upload any content to our website which is illegal, infringes the rights of third parties, contains malicious code or is otherwise objectionable in our reasonable opinion (and you agree to be responsible for nay loss or damage we incur as a result of your breach of this obligation)

We do not charge investors any fees to access the opportunities on our website.

We charge investees a fixed fee of 6% of the total funds raised from any investors that have registered an account with us at any time while an opportunity was published on our website. If we are notified, or become aware, that such investments have completed, we will invoice the investee for the applicable fees and such fees will become due and payable within 30 days from the date of such invoice.

If any fees are not paid on time, we may charge interest at the applicable rate for commercial debts on the overdue sum (whether before or after judgment).

We exclude all implied conditions, representations, warranties or other terms that may apply to our website, the opportunities or any other content published on our website.

We will not be liable any loss or damage (whether in contract, tort (including negligence), breach of statutory duty or otherwise), even if such loss or damage was foreseeable, arising out of or in connection with:

• use of, or inability to use, our website

• use of, or reliance on, any content displayed on our website (including information contained in any opportunities)

• any investment concluded between any investees and investors introduced to each other through this website

We will not be liable for any:

• loss of business opportunity, goodwill or reputation

• loss of revenue or profits

• loss of tax reliefs or other savings

• any indirect or consequential loss or damage

You may share a link to our website or any part of it provided you do so in a way that is fair and legal and does not damage or take advantage of our reputation.

You must not establish a link to our website in a way that suggests any form of association or endorsement on our part where none exists.

We reserve the right to withdraw linking permission without notice.

As we are not regulated by the Financial Conduct Authority, you do not have the right to make any complaint to Financial Ombudsman Service.

You may notify us of any complaint to hello@ethicalequity.co.uk.http://ec.europa.eu/consumers/odr

You may also be able to make a complaint through the European Commission’s Online Dispute Resolution Platform. For further information see: http://ec.europa.eu/consumers/odr

Suspension and termination of accounts: We may suspend or terminate your account at any time with or without notice at sole discretion and without any liability to you. We may do this if you have breached any of these terms or we have any concerns regarding the content of any opportunities. Termination will not affect our right to payment of our fees as set out above.

Notices: Any notice from you to us may be sent by email to hello@ethicalequity.co.uk. Any notice from us to you may be sent by email to the email address that you registered your account with. Notice will be deemed received as soon as they are sent. All notices must be in the English language.

Transfer of this agreement: 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 these terms. You may not transfer the agreement between us as set out in these terms to any other person.

Governing law and jurisdiction: These terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.