OFF3R Limited is an appointed representative of Kession Capital Limited (FRN:582160) which is authorised and regulated by the Financial Conduct Authority in the UK. OFF3R Limited is a company registered in England, with its registered office at 29 Portland Place, London, W1B 1QB (Company No. 9663453).
OFF3R is a marketplace of investment opportunities; not a crowdfunding originator and we do not provide advice, analysis or recommendations in respect of any investment opportunity on our partner platforms or in crowdfunding as an asset class.
Your investment is not guaranteed by OFF3R Ltd. or by the companies themselves, and you should not invest more money through the platform than you can afford to lose without altering your standard of living. You should consider carefully whether an investment is suitable in light of your personal circumstances, and if you have any concerns, seek independent advice from an appropriately qualified adviser.
Crowdfunding and investing in early stage businesses involves a high level of risk, including illiquidity (inability to sell assets quickly or without substantial loss in value), lack of dividends, loss of capital and dilution risks and it should be done only as part of a diversified portfolio. Your capital is at risk
Peer to Peer Lending
Your capital is at risk if a borrower fails to repay a loan that you have had assigned to you. Any lending you carry out will be highly illiquid (you will be unable to sell assets quickly or without substantial loss in value) and should be done as part of a diversified portfolio. Peer to per lending is not covered by the Financial Services Compensation Scheme (FSCS).
Past performance and forecasts are not reliable indicators of future performance. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. You are responsible for the administering of your own tax affairs, which may include capital gains and/or income tax. We do not provide tax advice and you should seek this independently before lending if you are unsure of your position. It is your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will affect your tax status you must seek professional advice before you lend.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE
Other applicable terms
Information about us
OFF3R.com is a site operated by OFF3R Ltd ("we” or “us"). We are a company registered in England and Wales (company number 9663453) and our registered address is 29 Portland Place, London, W1B 1QB. Our VAT number is 221 3832 43.
OFF3R Ltd. is an appointed representative of Kession Capital (FRN:582160) which is authorised and regulated by the Financial Conduct Authority. OFF3R is an aggregator of investment opportunities not a crowdfunding originator and we do not provide advice or recommendations in respect of any investment opportunity on our partner platforms or in crowdfunding and P2P lending as an asset class. We are not subject to schemes which seek to redress failings in financial services such as, in the United Kingdom, the Financial Ombudsman or the Financial Services Compensation Scheme. Crowdfunding and investing in early stage businesses involves risks, including illiquidity, lack of dividends, loss of capital and dilution. The risks vary for different types of investment and you should carefully read the explanation of the risks provided by our partner platforms before proceeding with any transaction.
How do we make money?
Our platforms are made available free of charge. If you use our platforms to make an investment from one of our partner platforms, that partner platform may pay a commission to us based upon any fees that they charge to you, to the promoter of the relevant opportunity and, in some cases, on the fees they earn if you make other investments directly through their site after having been introduced to them by us.
Accessing our platforms
In what territories can you use our platforms?
Our platforms are directed to people residing in the United Kingdom. We do not represent that content available on or through our platforms is appropriate, available or otherwise approved for distribution in other locations. We may limit the availability of our platforms or any service or product described on our platforms to any person or geographic area at any time. If you choose to access our platforms from outside the United Kingdom, you do so at your own risk.
Changes to our platforms
We may update our platforms from time to time, and may change the content at any time. However, please note that any of the content on our platforms may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our platforms, or any content on it, will be free from errors or omissions.
Your account and password
Intellectual property rights
You must not:
- disassemble or attempt to reverse engineer any software in our platforms, except as permitted by law;
- copy, distribute or communicate to the public content from our platforms or seek to copy, remove or alter any regulatory notices, trade marks, logos or business names from our platforms; or
- use a program or application to scrape, copy or index the content from our platforms.
No reliance on information
The content on our platforms is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our platforms. Although we make reasonable efforts to update the information on our platforms, we make no representations, warranties or guarantees, whether express or implied, that the content on our platforms is accurate, complete or up-to-date.
Third party links and resources in our platforms
Our platforms contain links to other sites and resources provided by third parties. We have no control over the contents of those sites or resources and they will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, including whether or not any financial promotion is clear, fair and not misleading, as this is outside our control. You should ensure that you understand the regulatory notices, terms and conditions and privacy policies of any third party website which you might be agreeing to. We check our partner platforms are regulated but you may wish to check the entity you are dealing with is properly regulated, for example in the United Kingdom by the Financial Conduct Authority. You can do this by checking the Financial Services Register on the FCA’s website.
Limitation of our liability
- were not foreseeable to you and us when this contract was formed; or
- that were not caused by any breach on our part; or
- loss of capital or investment opportunity or return;
- business losses; or
- losses to non-consumers
arising under or in connection with:
- use of, or inability to use, our platforms; or
- use of or reliance on any content displayed on our platforms.
You agree not to use our platforms for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our platforms or to your downloading of any content on it, or on any website linked to it. We assume no responsibility for the content of websites linked on our platforms. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our platforms will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our platforms. You should use your own virus protection software. You must not misuse our platforms by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our platforms, the server on which our platformsis stored or any server, computer or database connected to our platforms. You must not attack our platforms via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our platforms will cease immediately.
Linking to our platforms
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our platforms in any website that is not owned by you. Our platforms must not be framed on any other site, nor may you create a link to any part of our platforms other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of content on our platforms other than that set out above, please firstname.lastname@example.org.
If we provide you with, or sell to you, any digital content on our platforms you may have certain rights under the Consumer Rights Act 2015, including a right to cancel an order. You will not be able to cancel an order for digital content once a download has commenced. We will acknowledge orders by email but in certain circumstances we do not have to accept an order. All digital content will only be provided in English. If we are unable to resolve any dispute with you, you may use the online dispute resolution (ODR) platform available on the Your Europe portal. The ODR platform only relates to additional services we may agree to supply and is not applicable to your use of our platforms generally.
OFF3R is a UK registered trade mark of OFF3R Ltd.
To contact us, please email email@example.com.
Thank you for using OFF3R.
The data controller is Off3r Ltd. We are a company registered in England and Wales (company number 9663453) and our registered address is 29 Portland Place, London, W1B 1QB.
Your right to know
We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable care to prevent any unauthorised access to your personal data. Under the terms of the Data Protection Act 1998 you have a number of rights. If you require a copy of the personal data we have concerning you, please write to the Data Protection Officer, at the registered address above enclosing a cheque for the administration fee of £10.00 made payable to Off3r Ltd. You can also ask us to correct or remove any information about you that we hold. If you need us to do either of these things, please write to the Data Protection Officer and we will do this free of charge.
Where to we get the data we hold about you?
From information you give to us
You may give us information by filling in forms on the website or through our app, such as when you register for an account or if you contact us through phone, email or otherwise.
From information we collect about you
From information third parties give to us
We may get information about you from our partner platforms or through other third parties such as advertising networks, search engine providers, analytics providers and social networking sites.
How do we use your data in providing our services?
We collect and process personal data about you to help us identify you in order to administer your account and provide you with the information and services you request from us customised to your preferences. We may also disclose your personal data to our partner platforms in respect of those investment opportunities you are interested in.
How else do we use your personal data?
We will use some of your personal data to track the investments you make for the purpose of validating the data provided to us by platforms and to track any remuneration that may be due to us. You can find further details of how we make money in our About Us page.
After registering with us you agree that you will receive an initial email from us. We may also send you emails if and when there are changes to our Terms and Conditions or policies or if we need to discuss your account. You cannot opt out of receiving these emails but we will stop if you close your account.
If you have given us permission, we may use your information to keep you informed by post, telephone, SMS, email or other electronic means such as via social and digital media about current and new products, services, offers and promotions which may be of interest to you. We utilise a third party software and storage solution to analyse the personal data that you have provided to us in order to ensure that the marketing that you receive is as relevant and beneficial to you as possible. We retain full ownership of your personal data and ensure that it is secure at all times. If you are not happy for your personal data to be used in this way, you can unsubscribe to remove your details from our contact list. If you have further queries with regards to your personal data, please feel free to contact us at firstname.lastname@example.org.
We may use your personal data to carry out market research, statistical analysis and behavioural analysis, on a personalised or aggregated basis. This research and analysis may assist us in improving our website, the services offered to you or other individuals in the future and in making crowdfunding transparent. We may share or sell aggregate information which does not identify you to third parties.
Third party processing
We may use third parties to process personal information on our behalf. Where third parties process your personal information we will ensure that they have the necessary high standards of protection in place to ensure you data is secure and used only in accordance with this policy.
Prevention of fraud
We may carry out analysis and research using your personal data in order to prevent or detect fraud.
How do our partner platforms use your personal data?
Our partner platforms will use your personal data to facilitate their own investor registration and on-boarding processes and in order to complete the investment opportunities you wish to make with them. Some of our partner platforms may search external sources as part of their obligations to prevent money laundering Our partners may use the personal data you provide for purposes such as fraud prevention or for internal analysis (such as monitoring customer demographics, market trends or pricing analysis). We are not responsible for the privacy policies or practices of our partner platforms (or other websites you may click though to from our website). You should ensure you read and are fully aware of the terms and conditions and the privacy policies of third party websites.
Contact from partner platforms
Unsolicited emails and phonecalls
We ask our partner platforms not to send you unsolicited emails or making unsolicited phone calls. Please let us know if you experience any problems. However, if you click through to a third party website from our website, we cannot guarantee you will not be contacted by those parties. We recommend that you read their terms & conditions regarding your right to opt-in or opt-out of receiving further contact from them.
Do we pass personal data to third parties?
Except as set out in this policy, we will not disclose any of your personal data to other parties without your permission unless we are legally required to do so by, for example, a court order, for the purposes of prevention of fraud or other crime, or by a regulator.
Transferring your data outside of the European Economic Area ("EEA")
Some processing of your personal data may be undertaken by nominated sub- contractors outside of the EEA. In these circumstances the processing will be undertaken in accordance with the provisions of the Data Protection Act 1998.
We will endeavour to treat all your personal data as private and confidential. Other than under the terms of this policy we will not disclose any personal data about you. Please be aware however that under certain circumstances we may be subject to a legal obligation to disclose personal data about you, or there may be a public duty to disclose that personal data. Should you decide to complain about the service we have provided to you, we may be obliged to forward details about your complaint, including your personal data, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to data protection legislation and to keep your personal data strictly confidential.
What Are Cookies
You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.
The Cookies We Set
Third Party Cookies
Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren't sure whether you need or not it's usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However if you are still looking for more information then you can contact us through one of our preferred contact methods.