Introduction
These Terms and Conditions ("Terms") govern your use of the Construction Capital website and the services we provide. By using our website or engaging our services, you agree to these Terms.
Please read these Terms carefully. If you do not agree with any part of these Terms, please do not use our website or services.
1. Definitions
- "Construction Capital", "we", "us", "our" refers to the capital advisory business operating under the name Construction Capital
- "Client", "you", "your" refers to the individual or entity using our website or services
- "Services" refers to all capital advisory, finance arrangement, and related services we provide
- "Website" refers to construction-capital.co.uk and all associated pages
2. Use of Website
2.1 Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by these Terms and our Privacy Policy.
2.2 Permitted Use
You may use this website for:
- Learning about our services
- Contacting us regarding potential projects
- Accessing information about development finance
2.3 Prohibited Use
You must not:
- Use the website for any unlawful purpose
- Attempt to gain unauthorized access to the website or our systems
- Transmit any harmful code, viruses, or malware
- Copy, reproduce, or distribute website content without permission
- Use automated systems to access the website (except search engines)
- Impersonate any person or entity
3. Our Services
3.1 Nature of Services
We provide capital advisory services including:
- Advice on development finance and equity funding
- Introductions to lenders and equity providers
- Assistance with funding applications
- Negotiation support
- General capital strategy advice
3.2 Not Financial Advice
Our services constitute general advice and introductions only. We do not:
- Provide regulated financial advice
- Make lending decisions
- Guarantee funding approval
- Accept deposits or handle client funds
3.3 No Guarantee of Results
While we use our best efforts to secure suitable funding for clients, we cannot guarantee:
- That funding will be obtained
- Specific interest rates or terms
- Particular timescales for completion
- The success of your development project
4. Client Obligations
4.1 Information Provided
When engaging our services, you must:
- Provide accurate and complete information
- Update us promptly of any material changes
- Provide supporting documentation when requested
- Respond to lender queries in a timely manner
4.2 Independent Due Diligence
You are responsible for:
- Conducting your own due diligence on any funding opportunity
- Seeking independent legal and tax advice
- Making your own commercial decisions
- Understanding the terms of any finance you enter into
5. Fees and Payment
5.1 Fee Structure
Our fees are typically charged on a success basis and will be agreed in writing before we commence work. Fee structures may include:
- Percentage of loan amount arranged
- Percentage of equity raised
- Fixed fees for specific services
5.2 Payment Terms
Unless otherwise agreed:
- Success fees are payable upon completion of the funding arrangement
- Fixed fees are payable as specified in our engagement letter
- Invoices are due within 14 days
5.3 Third-Party Costs
You are responsible for paying third-party costs including:
- Lender arrangement fees
- Legal fees
- Valuation fees
- Other professional fees
6. Confidentiality
6.1 Your Information
We will keep your project information confidential except when:
- Sharing with potential lenders or equity providers (with your consent)
- Required by law or regulation
- Necessary to provide our services
6.2 Lender Information
Information we receive from lenders in confidence will not be shared with other parties without permission.
7. Intellectual Property
7.1 Website Content
All content on this website, including text, graphics, logos, and images, is owned by or licensed to Construction Capital and protected by copyright and other intellectual property laws.
7.2 Limited License
You may view and print content from this website for personal, non-commercial use only. You may not:
- Modify or copy the materials
- Use the materials for commercial purposes
- Remove copyright or proprietary notations
8. Limitation of Liability
8.1 No Liability for Losses
To the fullest extent permitted by law, we are not liable for:
- Any losses arising from your use of our website
- Losses resulting from lender decisions or terms offered
- Project failures or financial losses
- Actions or omissions of third parties
- Indirect, consequential, or punitive damages
8.2 Website Availability
We do not guarantee that:
- The website will be available at all times
- The website will be free from errors or viruses
- Information on the website is always current or accurate
8.3 Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content or practices of these websites.
9. Termination
9.1 Termination by Client
You may terminate our services at any time by written notice. You remain liable for:
- Fees for work completed to date of termination
- Success fees if funding completes after termination based on our introductions
9.2 Termination by Us
We may terminate our services if:
- You breach these Terms
- You fail to provide required information
- We determine we cannot assist with your requirements
10. Data Protection
We process personal data in accordance with our Privacy Policy and applicable data protection laws including UK GDPR.
11. Disclaimers
11.1 Information Accuracy
While we strive for accuracy, information on this website:
- Is provided for general information purposes only
- May not be up to date or complete
- Should not be relied upon as professional advice
11.2 Market Changes
The lending market changes frequently. Rates, terms, and lender appetite mentioned may not be current at the time you view this website.
12. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Changes to Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated revision date. Your continued use of our website or services after changes constitutes acceptance of the revised Terms.
14. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy and any written engagement letter, constitute the entire agreement between you and Construction Capital regarding use of our website and services.
16. Contact Us
If you have questions about these Terms, please contact us:
17. Professional Indemnity Insurance
We maintain professional indemnity insurance appropriate to our business activities.
18. Complaints
If you have a complaint about our services, please contact us at matt.lenzie@construction-capital.co.uk. We will acknowledge your complaint within 5 working days and aim to resolve it within 28 days.