Investment monies are always held in segregated client accounts and are protected by the FSCS up to £75,000 until the loan is made or the relevant property is purchased after which you are protected by the security in the asset.
Rental income, interest and profits in respect of any of our listed investments are always kept in separate client accounts and never used for the purposes of The House Crowd business. Should The House Crowd go into liquidation these monies would remain ring-fenced.
We provide transparency at all times. Investors can access information on their investments; including legal documents and annual accounts. Should The House Crowd, or associated directors have a financial interest in any transaction, or potential conflict of interest it will be declared.
We have processes in place to ensure that our investors' personal information is kept safe and secure. In the event that The House Crowd ceases to operate any information will only be accessible for proper purposes.
In the event that The House Crowd ceases to trade there are contingency plans in place so that the SPVs and loans can be managed, returns continue to be paid and the properties sold at the relevant time and proceeds returned to investors.
Our terms and conditions are clearly written and explain exactly how the investment process works, what our duties and responsibilities are, what due diligence has been undertaken, and any applicable fees.
We work with competent, professional people and implement proper processes to run our business effectively.
We ensure that our IT systems and business processes are secure, reliable and proportionate to the nature, scale and complexity of our business and are sufficiently robust to facilitate compliance with applicable law, regulations and this Code of Conduct.
We adhere to the regulations and any applicable laws relating to our sales and marketing activity, ensuring that risks and potential returns are presented in a reasonable and balanced way.
If investors are not satisfied with any aspect of our service, we will deal with their complaints promptly and fairly.
It's always nice to be recognised for our achievements. These are some of the awards we have won over the last few years:
In respect of Equity Investments, The House Crowd Limited (FRN 711355) is an appointed representative of Prosper Capital LLP (FRN 453007) ("Prosper"). Prosper is authorised and regulated by the Financial Conduct Authority. Neither the House Crowd Limited, Prosper nor any of their affiliates or group companies provides any advice or recommendations in relation to this website. If you have any doubt about the suitability of any investment marketed by The House Crowd Limited, or you require financial advice, you should seek a personal recommendation from an appropriately qualified financial advisor that does give advice.
In respect of Peer to Peer investments, The House Crowd is authorised and regulated by the Financial Conduct Authority under interim permission number 665205 to conduct peer to peer lending activity in the UK.
Investments are only available to certain specified persons who are sufficiently sophisticated to understand the risks. Investments in property and unlisted shares carry risk and you may not receive the anticipated returns and your capital may be at risk.