Any individual who is in doubt about entering into a loan agreement with Fiduciam Nominees Limited (“Fiduciam”), as outlined on this website, should seek professional advice or consult an authorised person who can assist in relation to entering into a credit agreement (such as an FCA-regulated credit broker). The material on this website has been prepared by Fiduciam and is general background information about its products and business model. This information is given in summary form and does not purport to be complete or exact. Information in on this website has been derived from different sources and its accuracy cannot be guaranteed. The transaction documentation always takes precedence over the any indications or projections on this website.
Furthermore this website should not be considered as advice or a recommendation to borrowers, potential borrowers, investors or potential investors in relation to entering into loans, holding, purchasing or selling loan participations or other financial products or instruments and does not take into account your particular investment and financing objectives, financial situation or needs. Before acting on any information you should consider the appropriateness of the information having regard to these matters, any relevant offer document and in particular, you should seek independent financial advice.
All loans, loan participations and financial products or instrument transactions involve risks, which include (among others) the risk of adverse or unanticipated market, financial or political developments and, in international transactions, currency risk. Lending against non-traditional physical collateral exposes investors to specific risks such as the potential for fraud, theft, damage and illiquidity.
Fiduciam does not provide any financial advice; you should seek advice from your financial advisor. Your financial advisor, credit broker or intermediary acts as your agent. Fiduciam may remunerate such intermediaries on behalf of the borrower by paying him an arrangement fee out of the transaction.
Fiduciam Nominees Limited is registered with the FCA as an “Annex 1 Financial Institution” for the purposes of the Money Laundering Regulations 2007 (Reference number: 724962). Fiduciam Nominees Limited is registered with Companies House under company number 09672341. Fiduciam Service Limited is registered with Companies House under company number 09672308. Fiduciam Nominees Limited is registered with the Information Commissioner’s Office (Registration number: ZA155195).
The loans originated by Fiduciam Nominees Ltd do not constitute regulated credit agreements or regulated mortgage contracts within the meaning of Financial Services and Markets Act 2000 (Regulated Activities), the Mortgage Credit Directive Order 2015 and the Consumer Credit Act 1974. Fiduciam Nominees Limited is not an authorised firm with the FCA as it enters only into ‘exempt agreements’. Generally, these are loans to corporate borrowers or loans to individuals for business purposes.
Therefore as a borrower you will not have the benefit of the protection and remedies that would be available to you under the Financial Services and Markets Act 2000 (as amended), the Mortgage Credit Directive Order 2015 or the Consumer Credit Act 1974 if the loan were a regulated agreement under any of those Acts. This declaration does not affect the powers of the court to make an order under section 140B of the Consumer Credit Act 1974 in relation to a credit agreement where it determines that the relationship between the lender and the borrower is unfair to the borrower.
If you are in any doubt as to the consequences of the agreement not being regulated by the Financial Services and Markets Act 2000, the Mortgage Credit Directive Order 2015 or the Consumer Credit Act 1974 then you should seek independent legal advice.
Please contact us by writing to the attention of the Directors, Fiduciam Nominees Limited, 29 Gloucester Place, London W1U 8HX, or sending an e-mail to email@example.com or calling us on +44 20 3290 0160.