Terms & Conditions

These Terms & Conditions ("Terms") govern access to and use of the Landstoxx platform (landstoxx.com) and all related services provided by Landstoxx Ltd ("Landstoxx", "we", "us", "our"). By registering for an account or using our services, you agree to be bound by these Terms.

1. Definitions

• "Account" – a registered user profile on the Landstoxx platform.
• "Investor" – a user who invests in property projects via Landstoxx Markets (MX).
• "Developer" – a user who lists projects via Landstoxx Property Management Services (PMS).
• "Shares" – fractional ownership interests or rights associated with property projects.
• "Escrow Account" – a regulated account where investor monies are held until release conditions are met.
• "Services" – all services offered through Landstoxx Ltd, including onboarding, investment facilitation, project monitoring, and trading via MX.

2. Regulatory Status

• Landstoxx Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under FRN [insert number once confirmed].
• We operate in compliance with the Financial Services and Markets Act 2000 (FSMA) and the FCA Handbook rules for investment-based crowdfunding.
• Our marketing communications comply with the FCA's requirement that they are "clear, fair and not misleading."

3. Eligibility & User Categories

• Users must be at least 18 years old and capable of entering into legally binding contracts.
• All users must pass KYC (Know Your Customer) and AML (Anti-Money Laundering) checks before accessing investment or listing services.
• Investors are classified in accordance with FCA rules:
  • Retail Investors – subject to appropriateness assessments.
  • High Net-Worth Investors – self-certification required.
  • Sophisticated Investors – with investment experience or qualifications.
  • Institutional Investors – regulated firms investing professionally.

4. Services Provided

Investor Services (via MX):

• Access to approved property investment opportunities.
• Ability to purchase, hold, and trade fractional shares.
• Access to dashboards and real-time reporting.

Developer Services (via PMS):

• Project listing and due diligence support.
• Ongoing project monitoring, reporting, and tenant oversight.
• Fundraising through fractional property shares.

Escrow Services:

• Investor monies are safeguarded in FCA-compliant segregated escrow accounts.
• Funds are only released once project milestones and compliance checks are satisfied.

5. User Obligations

Investors

• Confirm that all funds invested belong to you and are not derived from criminal activity.
• Accept that all investments carry risk and returns are not guaranteed.
• Complete all suitability and appropriateness tests required by FCA rules.

Developers

• Provide accurate, truthful, and complete information when listing projects.
• Submit to due diligence checks, including financial, legal, and operational vetting.
• Cooperate with Landstoxx PMS in ongoing monitoring and reporting.

6. Fees & Charges

• Investors: Transaction fees may apply for trading on MX; subscription fees may apply for premium analytics.
• Developers: Listing fees, success-based commissions, and optional PMS service charges.
• All fees are displayed transparently before payment.

7. Risk Acknowledgement

8. Client Money & Escrow

• All client monies are held in segregated FCA-compliant escrow accounts with regulated banking partners.
• Landstoxx does not commingle investor funds with its operational accounts.
• If a project does not reach its funding target, monies are returned in full to investors.

9. Platform Use & Restrictions

You agree not to misuse the platform, including by:

• Uploading false or misleading information.
• Attempting to hack, disrupt, or manipulate the platform.
• Engaging in fraudulent or unlawful activity.

We reserve the right to suspend or terminate accounts in case of breach.

10. Data Protection & Privacy

• Landstoxx complies with UK GDPR and Data Protection Act 2018.
• Personal data is collected, stored, and processed in line with our Privacy Policy.
• Users consent to necessary data sharing with regulators, escrow providers, and compliance partners.

11. Intellectual Property

• Landstoxx retains ownership of all platform technology, branding, and content.
• Users may not reproduce, distribute, or reverse-engineer our platform.

12. Liability & Disclaimers

• Landstoxx acts as an intermediary and is not responsible for developer performance or project outcomes.
• Our liability is limited to the maximum extent permitted by law.
• We provide the platform "as is" without warranties beyond those required by law.

13. Termination

• Either party may terminate the agreement with reasonable notice.
• Existing investments will continue to be managed according to their terms.
• Upon termination, data may be retained as required by regulation.

14. Dispute Resolution

• Disputes will first be addressed through our internal complaints procedure.
• Unresolved disputes may be escalated to the Financial Ombudsman Service.
• These Terms are governed by English Law, and courts in England and Wales have jurisdiction.

15. Changes to Terms

• We may update these Terms from time to time to reflect legal or operational changes.
• Material changes will be communicated via email or platform notification.
• Continued use of the platform after changes constitutes acceptance.

16. Contact Information