INVESTMENT PROPERTY CLUB - Terms & Conditions

References to "we", "us" and "our" are references to Harris Penny Holdings which is the parent company of Harris Penny International Ltd, a company registered under the law of England and whose registered address is Second Floor 14 High Street, Windsor, Berkshire, SL4 1LD (hereinafter referred to as "HPH and/or HPI").

Contact Details
A representative of HPI can be contacted at the address given above, by telephone on 01753 854500, by fax on 01753 854300 or by email to info@harrispenny.com

The terms "you", "your" and "investor" refer to any individual, company or business (whether registered with us as an investor or not) to whom we provide our Services by any means including, but not limited to, telephone, face-to-face contact, postal correspondence, electronic mail or via our website www.propertynetworksuk.net

These Terms and Conditions (the "Terms") shall govern the relationship between us and you and shall prevail despite the existence of any printed or other conditions even if such conditions purport to take precedence. Please read them carefully.

Your attention is in particular drawn to the clause on Liability below.

We provide a procurement service for property and property related goods and services in the UK and abroad referred to hereon as the 'Service' or 'Services'.

Subscription
The details provided by you at registration are important and must be complete and correct. You must immediately inform us of any changes to your information by sending an email to info@harrispenny.com or telephoning our office on 01753 854 500.

If you do not keep us informed of any changes, we will be unable to keep you fully informed on current and future development information.
Subscription to our Service is on a six month basis.

Subscription renewals will take place automatically unless cancellation notice is given by the investor two weeks prior to the 6 month running over into the new term. Notice of cancellation must be received in writing either by email to the address given above or by letter at the address above. Telephone notification will not be accepted as valid notification.

Personal Data
We will respect your personal information and comply with all applicable UK Data Protection legislation and rules currently in force.

We will use any information provided by you to constantly monitor and improve our services to you and for marketing purposes. We may also use such information to send specific correspondence of which, in our opinion, may be of interest to you. We will not sell, disclose or pass on any personal data to any third party without your prior permission.

Services
We provide details about investment opportunities, in the form of, but not limited to market research, statistics, forecasts, reports, herein referred to as 'Information'.

We will contact new members within fourteen (14) days of receiving their subscription for initial introduction and information. Members will then receive a bi-monthly update on Investment Properties and Opportunities as part of their subscription. Premium Members will also have access to a secure part of our web site where information or further Investment Properties and or Opportunities may be viewed at any time.

We provide Information obtained from a number of third party sources. Whilst we endeavour to provide accurate, up-to-date and complete Information we make no warranties or representations as to the accuracy, reliability or completeness or otherwise of the Information and assume no responsibility or liability for any omissions or errors contained in the Information.

Participation in Investment Opportunities
We will offer you opportunities for investment, by using electronic mail, the website, postal correspondence, telephone, or other appropriate means.

We will endeavour to provide you with opportunities of a sound and reliable nature. We will speculate on the level of investment required, and the potential returns. This is based on our research and analysis, which may include the advice and guidance of qualified third parties (such as a RICS registered surveyors, accountants or solicitors). Due to the speculative nature of such opportunities the information we provide should be considered our 'opinion'.
Investors are advised to make their own judgement upon the investment being offered and to independently verify the Information and our speculative analysis. You are advised to carry out an independent legal and financial assessment of any opportunity offered to you, before making any commitment to participate.

Please remember that the price and value of any investment and income can go down as well as up. If you make an investment you may get back less than the amount you originally invested. If you are in doubt about any investment decision you should seek the advice of a suitably qualified person.

Members will receive the subscription sum fee for six months (£150.00 including VAT) back in full if an Investment Opportunity is purchased through HPI during the subscribed period. This is a one off payment and not each time an Investment Opportunity is purchased.

Use of Our Services, Suppliers and Agents
An opportunity or supplier introduced by us means any investment opportunity which may include, but is not limited to land, property, apartments, homes, entire developments, whether constructed or not at the time of introduction, both in the UK and abroad, or supplier of the same, including but not limited to developers, estate agents, or other intermediary agents, that have been researched, negotiated or procured by us, or in the case of suppliers are persons or companies with whom we have an established relationship (contractual or otherwise), and would not otherwise have been known to you.

Fees for participation in investment opportunities introduced to you by us, vary per opportunity, but will always be disclosed to you before you commit to participate in any such opportunity.

Unless, otherwise agreed in writing by us, all fees will be invoiced to you and are payable within 7/14 days from your commitment to purchase a property usually in the form of a Reservation Fee and Introducers Fee, which are quoted exclusive of VAT. These fees will usually be payable to the developer and HPI/HPH and are non-refundable, unless expressly agreed otherwise in writing by us.

Depending on the nature of the Investment Opportunity, there may also be other fees which we will invoice you for in our invoice to you. These may range from appropriate tax fees to mortgage arrangement fees which will be payable to the mortgage broker arranging your mortgage finance. This fee will be clearly advised prior to proceeding with any mortgage funding and will become payable as per the terms of our invoice. We will then pay these fees on your behalf to the appropriate third parties.

Any monies paid in relation to the Investment Opportunity itself will be payable directly to the appropriate developer, owner or solicitor as the case may be. This will vary on a case by case basis but we will not receive any such monies nor will we hold any monies as stakeholder for you.

We reserve the right to withdraw the opportunity to purchase a property procured by us, if you fail to pay our fees in full and at the appropriate time.

Restrictions
If you, without notifying us, and within one year of the date an opportunity was originally introduced to you by us engage in any capacity directly or indirectly with a supplier or developer originally introduced to you by us, or engage with the supplier or developer over new opportunities, or if you or a member of your staff refers an opportunity introduced to you by us to another person, or body and that person or body engages in any capacity directly with the supplier or developer of the opportunity, then you will be liable to pay our fee at the prevailing rate.

Third Parties Recommended to You by Us
We will endeavour to recommend solicitors, mortgage brokers, furniture suppliers, and estate agents or other third parties (Third Party or Third Parties) of good calibre, who offer a service or product deemed to be of good quality and reasonable cost. However, we make no warranties or representations as to the reliability of the services provided by Third Parties and assume no responsibility or liability for their actions, omissions or errors.

If you make any arrangements with a Third Party found on or via our website or recommended to you by us, it is at your sole risk and responsibility.

Descriptions Of Property, Homes, Buildings, Locations Or Developments Particulars, specifications, pictures and artists impressions of any property, home, building, location or development are given in good faith and believed to be correct, but they do not form part of any offer or solicitation and are intended only as a general guide. We will make reasonable endeavours to ensure that a property will be built in all material respects in accordance with plans and designs as may be revised from time to time and which are available for inspection on the site being developed or in the relevant regional office of the developer.

You acknowledge that developers reserve the right to alter plans, designs and specifications at any time without prior notice. We therefore will not be responsible for any such changes. All descriptions are intended only as a general guide and are not to be relied upon by you or other interested parties as a statement or representations of fact but you should satisfy yourself by inspection or otherwise. No warranties or representations are given that the contents of the website or information otherwise distributed will reflect the most recent plans, designs or specification.

Confidentiality
Confidential Information means all information relating to current or prospective investment opportunities, our customers and prospective customers, current or projected financial or trading situations, business plans, business strategies, developments and all other information relating to our business affairs including any Information of a confidential nature imparted by us to you during the use of our Services.

You undertake to us that in consideration of us making such information available to you:
i. All Confidential Information disclosed to you by or on behalf of us or which may at any time come into your knowledge, possession or control, shall be kept secret and confidential and shall not be used for any purpose other than that required or permitted for the use of our Services, and shall not be disclosed to any third party except insofar as this may be required for the proper use of our Services and then only under appropriate confidentiality provisions approved by us. ii. You shall promptly notify us if any Confidential Information is required by law to be disclosed by you or any other person receiving it under or pursuant to these Terms and shall co-operate with us regarding the manner of such disclosure (but without prejudice to any obligation to comply with any legal requirement)

Intellectual Property
All design, copyright, trade marks and all other intellectual property rights in or relating to the website or information otherwise distributed by us, shall remain our property or, where applicable, are reproduced with the permission of the rights' owner, such as content suppliers, Third Parties and/or users. On the website you may browse the contents, use any facilities and download a single copy of any material to the extent that it is expressly made available to you, but this is solely for your own personal use and you must not remove any copyright or trade mark notices. You may not modify, reproduce, distribute, republish, display, post, transmit or sell any such material for any commercial or business purpose, without our prior permission or the permission of the rights owner.

Liability
You agree and acknowledge that to the extent permitted by law, and in view of the numerous sources from which we obtain the Information, the impracticality of verifying the sources means we will not be liable for the accuracy or otherwise of the information provided.
We are not authorised by the Financial Services Authority to provide investment or financial advice. By signing this document you acknowledge that we have not provided you with financial advice.

We are providing Information "as is", on an "with all faults" basis and we make no representations or warranties of any kind with respect to:
The website and content contained on the website; the truth, accuracy, or completeness of any Information distributed to you by us, by any means The condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the website;
We are not responsible for your ability to use the website or that it will be available in its current or any other format.

We have no control over the Information that can be accessed through, downloaded from or uploaded to the website.

We are not responsible or liable to you for any loss of content, or material that you upload or download or transmit through the website.

We will not be responsible or liable to you or any third party for any Information, modification, suspension of or discontinuance of our Services.

It is your decision, where applicable, to use, post, submit, remove or alter information and material to us, or on, to or from the website and we are not responsible or liable for any loss or damage incurred by you or any third party as a result of your doing or failing to do the same. We exclude all liability of any kind including invasion of privacy, defamation, or negligence to the extent permitted by law.

The following provisions set out our entire financial liability (including any liability for the acts or omissions of its employees, agents and sub-contractors) to you in respect of:

Any breach of these Terms; or any representation, statement or omission, including negligence arising under or in connection with these Terms; or your access to, or use of, or inability to use our Services whether via the post, telephone, the website or otherwise; or any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure or postal errors; or any action or decision taken as a result of using our Services.

All warranties, conditions and other terms implied by statute or common law (save for the conditions implied by section 12 of the Sale of Goods Act 1979) are, to the fullest extent permitted by law, excluded from these Terms.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence or fraudulent misrepresentation.

Subject to the above two paragraphs:
Our total liability in contract, (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise, arising in connection with the performance or contemplated performance of the Services shall be limited to £20,000; and we shall not be liable to you for any indirect or consequential loss or damage (whether for loss of profit, loss of business, depletion of goodwill or otherwise), costs, expenses or other claims for consequential compensation whatsoever (howsoever caused) which arise out of or in connection with the provision of the Services. Where you the Investor are a consumer rather than a business no provision of this Liability clause or these Terms shall affect your rights as a consumer.

Suspension or Cancellation of Service
We reserve the right to cancel your access to our Services any time. We may suspend, restrict, reduce or cancel your access immediately if you breach or appear likely to breach any of these terms.

You are entitled to a 7 day cooling off period from the date you subscribed to our Service. During this time, you can cancel your subscription at any time by giving us written notice by email or to our address as stated above. You are not entitled to cancel your subscription after this 7 day period.

Refund Policy
No refund will be given for any reason after the 7 day cooling period. You may however notify us in writing (at the address above or by email) of your wish to not automatically renew your subscription in six months time.

Amendments to these Terms
We reserve the right to change these Terms at any time. We will give you 7 days notice by posting notice on the website and sending you either postal notification or an email. If you do not want to accept any new terms you must inform us immediately of your intention by writing or emailing us, otherwise you will be deemed to have accepted such new terms.

Invalidity
If any provision of these Terms is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms and the remainder of the provision in question shall not be affected.

Waiver
No waiver by us of any breach of the Terms by you shall be considered as a waiver of any subsequent breach of the same or any other provision.

Entire Agreement
Terms constitute the entire agreement between you and us and supersede any previous agreement or understanding and may not be varied except in writing between us. All other Terms and Conditions expressed or implied by statute or otherwise, are excluded to the fullest extent permitted by law.

Notices
Any notice to be given under these Terms by either party to the other must be given in writing, and shall be deemed to be served;
In the case of us communicating with you, twelve hours after we send an e-mail to the e-mail address specified by you, during registration or any changed e-mail address subsequently notified to us; or 48 hours after posting correspondence to the address specified by you, during registration or any changed address subsequently notified to us; and in the case of you communicating with us, twelve hours after an email is sent to infor@harrispenny.com or 48 hours after a Recorded Delivery Letter is sent to the address stated above.

Third Party Rights
A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms, but this does not affect any remedy or right of any third party, which exists or is available apart from that Act.

Laws Applicable
These Terms shall be governed by and construed in accordance with the laws of England and Wales and all disputes arising in connection with them shall be submitted to the exclusive jurisdiction of the English Courts.

I/we understand that should I wish to become an Investor Member, there will be a membership fee of (£150.00 including vat) which is payable to Harris Penny Holdings Ltd.

I/we understand that when reserving a property there is also a non-refundable Reservation fee payable and that if I/we subsequently cancel a reservation I may also have to pay a cancellation fee to HPI.

I/we understand that there will be an Arrangement fee for each property (as specified) purchased through HPI, payable within 14 days of the invoice being sent.

I/we understand that HPI is not a financial advisor or mortgage broker and is not responsible for my credit standing for mortgage finance.