Introduction

Investing in property through Apex Invest provides opportunities to access property investment, real estate crowdfunding, and wealth management solutions. However, these investments carry risks. It is essential to understand that your capital is at risk, returns are not guaranteed, and investments are illiquid. This risk disclosure outlines key considerations and potential risks associated with using our platform, in compliance with UK law and standards set by the Financial Conduct Authority (FCA).

No Guarantee of Returns

Past performance is not a guarantee of future results. Any projected returns, historical performance, or expected gains shared on our platform are not assured and may not reflect actual future performance. The value of property investments can fluctuate, and you may experience a loss of capital, including the full amount you invested. While we aim to deliver consistent returns, anticipated gains may not materialise, and properties within an investment opportunity could result in losses.

Investment Structure

When you invest through Apex Invest, you contribute a percentage of the funding required for a specific property or opportunity. You do not hold shares, either directly or indirectly, in any property or entity. Instead, you are entitled to a return based on the proportion of your investment and the performance of the underlying property.

To enhance investor confidence, Apex Invest ensures that the business is asset-backed. At all times, the company will maintain assets, including funds in accounts or property, to the value of at least the total funds received from investors. This provides a level of security but does not eliminate investment risks.

Investment Term and Liquidity

Investments offered by Apex Invest are designed to be held until the end of the investment period, typically 2-3 years, unless stated otherwise. These investments are inherently illiquid, meaning they cannot easily be sold or transferred before the term ends.

Although Apex Invest may provide a Secondary Transfer Facility that allows for potential early exits, we cannot guarantee that you will be able to exit your investment early or recover your capital. The availability of the Secondary Transfer Facility depends on the presence of buyers and is limited to specific timeframes.

Please do not invest if you cannot commit to holding your investment for the recommended term.

Speculative Nature of Property Investment

Property investment involves risks, including but not limited to:

• Valuation Risks: Property values can decline due to market conditions, economic changes, or other factors.

• Income Delays: Rental income may be delayed or lower than forecasted due to tenant defaults, maintenance issues, or market downturns.

• Exit Risks: Selling properties at the end of the investment period may be delayed, or the sale price may be lower than expected.

While we strive to mitigate these risks through robust management and due diligence, investments remain speculative, and outcomes may vary.

No Financial or Investment Advice

Apex Invest operates as a property investment platform and is not an investment adviser or property manager. We do not provide financial, tax, or investment advice.

• Due Diligence: Investors are responsible for conducting their own due diligence and consulting independent financial advisers before committing to any investment.

• Data Accuracy: While we use data from reliable sources to evaluate opportunities, we cannot guarantee its accuracy or completeness.

Borrowing and Leveraged Investments

Using credit or borrowed funds to invest increases risk. If the value of your investment declines, you are still required to meet your repayment obligations. This could amplify losses and financial pressure.

Ambitious Model Investments

Our Ambitious Model targets properties with high-value potential through refurbishment, redevelopment, or other improvements. These investments offer potential for higher returns but come with additional risks:

• Renovation Risks: Delays, increased costs, or unforeseen structural issues may impact the timeline and profitability of a project.

• Market Timing: The success of such investments depends heavily on market conditions at the time of sale.

Insurance and Protection

To mitigate risks, Apex Invest ensures that all contractors involved in renovation projects are adequately insured, including for liability and compensation. We also maintain additional insurance coverage for unforeseen events such as fires or natural disasters to protect investors.

Regulatory Compliance

Apex Invest operates in compliance with UK law and FCA standards. However, it is important to note:

1. No FSCS or FOS Protection: Investments through Apex Invest are not covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).

2. Asset-Backed Security: While Apex Invest ensures that the company is asset-backed (either through funds in accounts or property equal to the value of investments), this does not eliminate risks.

In the unlikely event of platform insolvency, delays, costs, or losses may occur.

Key Considerations for Investors

Before committing to property investment opportunities on Apex Invest, consider the following:

1. Capital at Risk: Be prepared for the possibility of losing some or all of your investment.

2. Illiquidity: Investments are not easily sellable or transferable.

3. No Guarantees: Rental income, capital growth, and returns are not assured.

4. Due Diligence: Seek professional financial advice and fully understand the risks before investing.

5. Market Conditions: Economic and property market fluctuations can significantly impact investment performance.

Final Note

Property investment through Apex Invest offers access to expertly managed real estate crowdfunding opportunities. However, these investments are not risk-free, and it is critical to carefully evaluate your financial situation and risk tolerance. By investing with Apex Invest, you acknowledge and accept the potential risks and uncertainties involved.

For further assistance or enquiries, please contact us at hello@apexinvest.co.