Terms and Conditions

1. Introduction

1.1 The Fundshare.co.uk website ("Site") brand and logo are trading styles of Raisin Technology Limited, Registered in England & Wales, Company Number 9902685, Registered Address: Jag Shaw Baker, 47-48 Berners Street, London W1T 3NF . This website usage agreement is between Raisin Technology Limited (Fundshare.co.uk) and the user.

1.2 Raisin Technology Limited is an appointed representative of Resolution Compliance Limited (FRN: 574048) which is authorised and regulated by the Financial Conduct Authority.

1.3 Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read these carefully. 

1.4 This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.

2. Use of Content 

2.1 Throughout our web site, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial context with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies. 

2.2 We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated. 

2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside our control.

2.4 We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement. 

2.5 If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material. 

2.6 You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action. 

2.7 Any rights not expressly granted in these terms are reserved.

3. Changes 

3.1 We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions from the time you next access the site. 

3.2 No purported modification of these conditions will be effective until we countersign it. 


4.1 You must ensure that any software downloaded from the internet to your computer is suitable for use on your computer and that it is virus free. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer. 

5. Disclaimer 

5.1 The information on this site is provided on an ‘as is’ and ‘as available’ basis.
We try to ensure, but do not guarantee or warrant, the accuracy or completeness, availability or reliability of the information on our web site.  Our aim is to keep this information timely and accurate. If errors are brought to our attention, we will try to correct them. 

5.2 We exclude any warranty, express or implied, as to the quality or fitness for a particular purpose of any of the content on this site.  

5.3 We reserve exclusive right at our sole discretion to alter, limit or discontinue part of this site. Under no circumstances shall we be liable for any loss, damage, liability or expense suffered which is claimed to result from the use of this site, including without limitation, any fault, error, omission, interruption or delay. Use of this site is at the user’s sole risk.  

5.4 We make every effort to minimise disruption caused by technical errors. However, some data or information on our site may have been created or structured in files or formats, which are not error-free, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. We accept no responsibility with regards to such problems (failure of performance, computer virus, communication line failure, alternation of content, etc.) incurred as a result of using this site or any link to external sites. 

5.5 The materials on this site do not constitute medical, financial or other professional advice. You should consult an appropriate professional for specific advice tailored to your situation. 

5.6 Users specifically acknowledge and agree that we are not liable for any conduct of any other user.
5.7 By accessing this site you agree that we will not be liable to you or any third party for any errors or delays in the site or for any actions taken in reliance on it. You also agree that, to the full extent allowed by applicable law, we will not be liable for any direct, indirect or consequential loss or any losses that were actually unforeseeable by us arising from the access or use of the site or from your access or use of other material on the internet via web links for this site. We do not seek to limit liability in respect of fraudulent misrepresentation nor in respect of death or personal injury directly caused by our negligence.

5.8 We reserve the right to deny at out sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.

6. Products and Services

6.1 The products and services advertised on this website are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.

6.2 Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.

6.3 If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

6.4 We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such third party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any third party in connection with their website.

7. Complaints

7.1 We're always disappointed to hear that something has gone wrong.  If you have a problem, please let us know and we will do everything we can to sort it straight away.  Your views are important to us and your feedback is key to improving the products and services we offer.

7.2 Making a complaint

If you're not happy and need to make a complaint, you can contact us as follows:

By phone: +44 (0)161 710 2390
By email: help@fundshare.co.uk
By post:  Customer Care Team, Raisin Technology Limited, 3rd Floor, Rational House, 64 Bridge Street, Manchester, M3 3BN

7.3 Timescales

We aim to solve problems straight away, but more complex issues take a little longer.  If we need to look into things in more detail we'll send you an acknowledgement letter within five working days.  This will explain what will happen next and when you can expect to hear from us again.  After that, we'll continue to investigate and work with you to find a solution.  Finally, we'll send you our response by letter.

7.4 If you're not happy with our response 

If you feel our response hasn't resolved things properly, please tell us.  We would appreciate one last chance to put things right.  Alternatively, or if eight weeks have gone by since you first told us about the problem, you can ask the Financial Ombudsman Service to review the situation.

7.5 About the Financial Ombudsman & The European Commission On-line Dispute Resolution Platform

The Financial Ombudsman is a free, independent service that looks into disputes between financial business and their customers.
You can find out more or contact them directly using one of the links below. You have six months from the date of our final response letter to refer your complaint to them.

Website: www.financial-ombudsman.org.uk
Write: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Email: complaint.info@financial-ombudsman.org.uk

Call 0800 0 234 567 or 0300 123 9 123 (mobile)

The European Commission also provides an on-line dispute resolution (ODR) platform which allows consumers to submit their complaint through a central site which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. For more information about ODR please visit http://ec.europa.eu/odr.

8. Law and Disputes

8.1 The content of this website and any dispute arising out of the use of it (including any non-contractual dispute) shall be governed by the laws of England and both parties agree to submit to the non-exclusive jurisdiction of the courts of England.

Your capital is at risk if you lend to businesses. Peer to peer lending is not protected by the Financial Services Compensation Scheme. Please read our full risk warning here.