RISK WARNING

1- You could lose all the money you invest

Checks on the product you are investing in, such as how well it's expected to perform, may not have been carried out by the platform you are investing through. You should do your own research before investing.

2- You won't get your money back quickly

You may have the opportunity to sell your investment early through a 'secondary market' or 'bulletin board', but there is no guarantee you will find a buyer at the price you are willing to sell.

3- Don't put all your eggs in one basket

Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

4- You are unlikely to be protected if something goes wrong

- Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.

- Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more about FOS protection here.
If you are interested in learning more about how to protect yourself and about investment-based crowdfunding, visit the XXX's website here. 

All persons who register as a “Homebuyer” (the occupier of the underlying property who will also be purchasing a share of property) or '’Investor’' (the persons crowdfunding into the purchase of the property, which may also include the Homebuyer) on this website should carefully read the following warnings before making any investment.

CTL PROPERTY LIMITED is a product owned and operated by CTL PROPERTY LIMITED, which is registered under Ontario Corporation Number 1000316930 office at 8 King St E, Suite 300, Toronto, Ontario, Canada, M5C 1B5.

To invest through CTL PROPERTY LIMITED you need to understand the following important risks:

A decision to invest in a property and/or the investment entity owning the property is a personal investment decision made by you and no responsibility for the consequences of that decision is accepted by CTL PROPERTY LIMITED or by any of its directors, agents, employees, subsidiaries or other members. 

The value of your investment can go up as well as down. This means there is the risk that you may not get back what you put into the investment, so you should carefully consider whether such investments are suitable in light of your own personal circumstances or speak to an independent financial advisor. You should not invest more money than you can afford to lose without altering your standard of living. CTL PROPERTY LIMITED does not guarantee any return on investment nor that the value of any investment will be maintained. Engaging in any investment activity will expose you to a significant risk of losing all or some of your investment. 

Investors should be aware before entering into the investment, that their capital is at risk. 

For example, Investors capital is at risk if the property market falls and property prices drop.

Investment on the CTL PROPERTY LIMITED site is not covered by the XXX Scheme (link).

Please be aware that your share of the investment is highly illiquid and there is no active secondary market to sell this on. This means that there could be difficulty in selling your investment at a reasonable price or for any price at all.

If an Investor wishes to liquidate their share of the property they may do so by offering their shareholding to the other investors. However it should be noted that this form of investment is very illiquid and the other investors may not wish to purchase the offered shares. If this situation were to arise then you would be left with no option but to hold the shares until the investment is sold.

Investment in property should be considered as a long term investment that could require the shareholder to hold their position until the disposal of the asset. Even at that point the ability to exit will be dependent upon market conditions for the sale of the underlying property. Timing of the sale is also subject to completion of the transaction which could take several months.

If property rental income is received, it will be paid to investors as a dividend net of any fees, costs and expenses. However, if a property does not produce rental income or if the rental income is insufficient to cover the costs and expenses of operating the property, then no dividends will be paid.

Diversification helps reduce risk and investing in unlisted property shares should only be done as part of a diversified portfolio. This means you should only invest relatively small amounts in different properties and invest in other asset classes as well. Each investment in property shares should only be a small portion of the money you have available to invest.

You are responsible for the payment of your own taxes from investing via our platform. These may include capital gains and/or income tax. We do not provide tax advice and if you are uncertain how investing will affect your personal tax position, you should seek professional advice before investing. Each entity you invest in may be liable to pay corporation tax. If so any returns you receive will be paid to you net of any corporation tax due.

The value of property and rents may go down as well as up and you may not get back the full amount you invested. Any projections of future performance are based on market data collected by Elite Capital and Management Services from third party providers and therefore Elite Capital and Management Services cannot guarantee the veracity of the data.   

Past performance and forecasts are not reliable indicators of future results and should not be relied on.

Currency risk is the potential risk of loss from fluctuating foreign exchange rates when an investor has exposure to foreign currency or in foreign-currency investments.