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As part of FCA requirements, to view details of our investment opportunities and track record please create a Shojin account and log in.

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Investor onboarding required

Some investments on this website are only available to investors who meet certain net worth or investment sophistication criteria. In order to see the project details, please complete the investor onboarding steps.

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Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform 

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

  1. You could lose all the money you invest
    • By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money.
    • Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing.
    • These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.
  2. You are unlikely to be protected if something goes wrong
    • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
    • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
  3. You are unlikely to get your money back quickly
    • This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money.
    • You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy.
  4. This is a complex investment
    • This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made.
    • You may wish to get financial advice to understand how the structure works before deciding to invest.
  5. Don’t put all your eggs in one basket
    • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
    • A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

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ShareIn - Website Conditions of Use/Legal Notices

Welcome to the portal.shojin.co.uk website ("this site"). This website is controlled by Share In Ltd with its registered office at 5th Floor, 125 Princes Street, Edinburgh, EH2 4AD, United Kingdom) (hereinafter referred to as "Share In", "we" or "us"). The use of this site is subject to the following conditions.

Please read the undernoted conditions carefully before you use this site. By using any part of this site you will be held to have accepted that you will be bound by these conditions. ShareIn may change these conditions at any time by posting new or amended conditions on this site. Your continued use of this site after any changes are posted means that you are held to have accepted that you are bound by the new or amended conditions. Please therefore check our conditions regularly.

FSMA/INVESTOR DISCLAIMERS

Investment whether in new or existing businesses carries high risks as well as the possibility of high rewards. It is consequently very speculative and potential investors should be aware that no established market exists for the trading of shares in private companies, and such shares are not easily realisable. It must be appreciated that there could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at any price. Accordingly you should consider very carefully whether such investments are suitable in the light of your circumstances and commitments and the financial resources available to you. Engaging in any investment activity may expose you to a significant risk of losing all of your investment.

Any business plans and financial projections posted on this website for "investors" are posted only for the personal use by registered investors. It does not purport to contain all the information that a prospective investor may require. All such information is confidential and by gaining access to such information you agree to keep it confidential at all times.

Each investor who uses this website acknowledges that a decision to invest in a company is a personal decision and that no responsibility for the consequences of that decision is accepted by ShareIn or by any of its directors, employees, consultants or other members.

Each investor who uses this website is required to acknowledge and agree to these conditions, the Investor Terms and Conditions, the Privacy, Cookie and Data Use Policy and the Risk Warning Notice. These should be read carefully and if an investor is in any doubt then he should take his own professional advice.

GENERAL WEBSITE DISCLAIMERS & TERMS

This site content is provided for information only without any warranty, express or implied, that the content is accurate, current or complete, fit for a particular purpose or free from any computer viruses or defects. We will not be liable for any loss or damage caused by a virus or denial of service that may infect your computer hardware or programs, data or other proprietary material due to your use of this site and/or your downloading of any material posted on it (whether belonging to ShareIn or not).

Commentary by ShareIn and other materials posted by ShareIn on this site are not intended to amount to advice by ShareIn or by any of its directors, agents, employees or members. We are not liable or responsible for any reliance placed on such materials by you or anyone who you may inform of any of its contents.

ShareIn will not be liable for any damages of any kind resulting from the use of or inability to use this site or its content. No guarantee is given that this site will always be available 24/7.

This site may contain links to other websites. ShareIn does not approve or endorse and accepts no liability for the content of any third party websites which may be accessed via, or linked to, this site. The existence of a link to another website is not an authorisation by ShareIn to you to access content or material from that other website.

COPYRIGHT ETC

All rights, including copyright and database rights, in this site belong to or are licensed to ShareIn United Kingdom and international copyright and database right laws and treaties protect this site and all content on this site. © Copyright 2015 Share In Ltd. All rights reserved.

"ShareIn" is the trade mark of Share In Ltd in the United Kingdom. Other product and company names and logos mentioned on this site may be the trade marks or registered trade marks of their respective owners.

You may not copy any part of this site, or carry out any other act which is protected by copyright or extract or re-utilise the whole or any substantive part (evaluated quantitatively and/or qualitatively) of the content of this site other than: -

  • Printing in hard copy form portions of the content of this site for personal use;
  • Downloading any page from this site for personal use only;
  • Storing pages from this site in a cache or other temporary retrieval system for the sole purpose of personal viewing off-line.

These consents do not permit you to modify any of this site’s content or to use it in any commercial material without our prior written consent.

LINKING

You may, subject to the following conditions, provide a link to the Home page of this site: -

  • The right to link to this site is revocable by us and we reserve the right to prohibit any link and to employ measures, including technical measures, to remove any link;
  • Any link to this site must not be misleading or give the impression that we are associated with you or have approved or endorsed any internet site or equivalent entity from which such link is made;
  • Any such link must indicate sharein.com as the destination of the link and must not use any ShareIn logo or other proprietary graphic or trade mark without our prior written consent; and
  • You may not use framing or deep linking to this site without our prior written consent.

USE AND INDEMNITY

  • ShareIn expressly prohibits the use of this site by you for any purpose which may be unlawful in the United Kingdom.
  • You agree to keep ShareIn indemnified against any claim, loss, liability, damages or expenses on a full and unqualified indemnity basis arising out of any misuse by you of any part of this site or any information embodied in it.

WAIVER AND ENFORCEMENT

  • Failure by us to take action in respect of a breach by you of these conditions shall not prevent us from taking future action in respect of the same breach or any other breach by you of these conditions, unless we agree to the contrary in writing.
  • If any of these conditions is held to be unenforceable it will not affect the validity and enforceability of the remaining conditions.

OUR DETAILS

  • The service provided through this website is provided by ShareIn which is the trading name of Share In Ltd.
  • Share In Ltd’s registered address is 5th Floor, 125 Princes Street, Edinburgh, EH2 4AD, United Kingdom (c/o MBM Commercial LLP).
  • Share In Ltd’s registered company number is SC408803.
  • Share In Ltd can be contacted via email at [email protected] and via telephone at +44 131 641 0018.
  • Share In Ltd’s VAT Number is 144 9897 58.
  • ShareIn Ltd is authorised and regulated by the Financial Conduct Authority (FRN 603332)

GOVERNING LAW

These conditions of use are governed by the Law of Scotland and the Scottish Courts shall have non-exclusive jurisdiction in any disputes between you and us.

Contact us

Tel +44 (0)203 871 5959

Email [email protected]


Legal

  • Website Terms & Conditions
  • IFISA Terms & Conditions
  • Risk Management Disclosure
  • Key Risks
  • Privacy Policy

Important note

Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice.

Shojin Property Partners is a trading name of Shojin Financial Services. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see www.fca.org.uk/register for more information). Companies that issue investments on this platform, including bonds issued by Shojin Property Partners Limited, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria.

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