TERMS & CONDITIONS AND RISK DISCLOSURE
Effective Date: 2026
Platform: VCS Funding
Operator: VCS Funding
1. Introduction
These Terms & Conditions (“Terms”) govern your use of the Platform and any investments made through it. By accessing or using the Platform, you agree to be legally bound by these Terms.
If you do not agree, you must not use the Platform.
2. Regulatory Status
VCS Funding operates as an introducer platform connecting investors with companies seeking funding.
- We do not provide investment advice or recommendations
- We are not responsible for investment decisions made by users
- Nothing on this Platform constitutes a financial promotion unless expressly stated
Users are responsible for ensuring compliance with applicable laws, including those enforced by the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000.
3. Eligibility
By using the Platform, you confirm that:
- You are at least 18 years old
- You have legal capacity to enter into binding agreements
- You are not restricted from investing under applicable laws
- You understand the risks associated with investments
We may require identity verification in line with KYC/AML obligations.
4. Nature of the Platform
The Platform:
- Connects investors with businesses seeking funding
- Performs limited due diligence on listed companies
- Facilitates communication and transactions
We do not:
- Guarantee investment performance
- Act as a broker, custodian, or trustee (unless stated)
- Provide legal, tax, or financial advice
5. Investment Process
When you invest:
- You enter into a direct agreement with the company
- Funds are committed at your own risk
- Transactions may be executed via third-party providers
Once confirmed, investments are binding and generally non-refundable.
6. Fees
We may charge:
- Platform usage fees
- Transaction fees
- Administrative charges
All applicable fees will be disclosed before you complete a transaction.
7. Refund Policy
All investments are final and non-refundable, except in limited circumstances:
- Duplicate transactions
- Unauthorised payments (reported promptly)
- Technical errors caused by the Platform
Refunds are subject to our discretion and must be requested within 7 days.
8. Risk Disclosure
8.1 General Investment Risk
Investments are risk and speculative. You may lose your invested capital.
8.2 No Protection Schemes
Investments made through this platform are not covered by:
- Financial Services Compensation Scheme (FSCS)
- Financial Ombudsman Service (FOS)
8.3 Illiquidity
- Investments may not be easily sold or transferred
- There may be no secondary market
8.4 No Guaranteed Returns
- Returns are not guaranteed immediately.
8.5 Business Risk
Investee companies may:
- Fail or become insolvent
- Underperform projections
- Lose value
8.6 Dilution Risk
Future fundraising may reduce your ownership percentage.
8.7 Economic & Market Risk
External factors (economic downturns, regulation, competition) may impact performance.
8.8 Tax Risk
Tax treatment depends on your individual circumstances and may change.
9. No Advice
Nothing on this platform constitutes
- Investment advice
- Legal advice
- Tax advice
You should seek independent advice from a qualified professional regulated by the FCA.
10. Due Diligence Disclaimer
We perform reasonable commercial checks, but:
- We do not guarantee accuracy of company information
- We do not verify all claims
- We are not responsible for misstatements by companies
11. Investor Responsibilities
You agree that:
- You will conduct your own due diligence
- You understand and accept all risks
- You invest only what you can afford to lose
12. Limitation of Liability
To the fullest extent permitted by law, VCS Funding shall not be liable for:
- Loss of capital
- Loss of profits
- Indirect or consequential losses
Nothing excludes liability for:
- Fraud or fraudulent misrepresentation
- Any liability that cannot be excluded under UK law
13. Third-Party Services
We may use third-party providers for:
- Payments
- Identity verification
- Data processing
We are not responsible for their actions or failures.
14. Intellectual Property
All platform content (logos, text, and software) is owned by or licensed to VCS Funding and may not be used without permission.
15. Suspension and Termination
We reserve the right to:
- Suspend or terminate your account
- Restrict access to the platform.
- Cancel transactions where legally required
16. Data Protection
We process personal data in accordance with applicable UK data protection laws, including the UK GDPR.
17. Complaints
If you have a complaint, contact us at:
[Insert Email Address]
We will aim to respond within a reasonable timeframe.
18. Governing Law
These Terms are governed by the laws of England and Wales.
Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
19. Amendments
We may update these Terms at any time. Continued use of the Platform constitutes acceptance of the updated Terms.
⚠️ FINAL RISK WARNING (FCA-STYLE)
Investing in private companies involves significant risk, including loss of investment. These investments are illiquid, are not protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS). You should only invest money you can afford to lose and seek independent financial advice if necessary.