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Risk Warning 




Investing in property and companies can be very rewarding, but it involves the following key risks:

1. Loss of capital
Property prices can go down as well as up. You may not get back what you put in if property prices fall. You should not invest more money than you can afford to lose without altering your standard of living.

2. Liquidity
Investments in property are highly liquid. You are unlikely to be able to sell your shares and must be prepared to hold your investment for the full term.

3. Rarity of dividends
If a property receives rent, this will be paid to investors as a dividend after deducting fees, costs and expenses. However, if a property does not produce rent, or if the rent is not enough to cover these costs and expenses, no dividends will be paid to shareholders.

4. Diversification
Investing in property and unlisted shares should only be done as part of a diversified portfolio. You should only invest a small proportion of your investable capital in start ups as an asset class with the majority of your investable capital invested in safer, more liquid assets.

5. Tax
You will be responsible for the payment of your own tax, which may include capital gains and/or income tax. C45 does not provide tax advice and you should seek independent tax advice before investing.

6. Advice
C45 does not give investment advice. Investors should seek advice from independent professional advisers before making any investment.

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
Any projections of future performance are based on the internal calculations and opinions of C45 and are subject to change at any time. Targets are not a reliable indicator of future results and should not be relied upon.

9. Financial Services Compensation Scheme
Issuing shares is not a regulated activity and investments are not covered by the Financial Services Compensation Scheme.

10. 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 C45 and you will not access, or try to access, the service unless and until you fall into one or more of the categories again.

11. Jurisdiction
The information and services provided 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 C45 is not authorised to provide such information or services. Some products and services may not be available in all jurisdictions or to all clients.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

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