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.
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Investment Risks

Please Note

WiseAlpha Technologies Limited (WiseAlpha) (FRN: 751087) is authorised and regulated by the Financial Conduct Authority in the UK. It arranges, promotes, issues and acts as trustee for the Fractional Bonds and from time to time other WiseAlpha Product Issuers. Only WiseAlpha Technologies is regulated for the associated activities it conducts. As a WiseAlpha member you are not investing directly with the corporate borrower. Instead, you are purchasing Fractional Bonds trust certificates issued by WiseAlpha which are backed by a specific corporate bond.

General Risk Warning

As with any investment there are risks that must be understood and accepted prior to investing. It is important that you carefully understand and assess the risks. This document helps you understand some of the general risks.

Bond Values Can do Up or Down

Bond and fixed income debentures are investments and the price of these investments can go up or down with changes in the financial performance of companies or due to a number of other factors such as, but not limited to changes in economic conditions, changes in interest rates and other market factors.

Your Personal Decision to Invest

WiseAlpha Technologies Limited or any WiseAlpha Product issuers (collectively referred to as “WiseAlpha” hereafter) does not provide investment advice. It is your decision to invest including carrying out the relevant due diligence. WiseAlpha do not take any responsibilities for your investment decision. If you do not understand the investment, you should seek independent financial advice from a professional that is authorised and regulated by the Financial Conduct Authority.

Not All Bonds Are the Same

WiseAlpha offers different types of bonds including both Senior Secured and Unsecured bonds.

Senior Secured Bonds have security over the assets of the company and the first right to those assets over unsecured creditors in the event of a liquidation. Please note the assets of a company may still not be enough to ensure a full recovery of your money in the event of a company liquidation or administration.

However, unsecured bonds do not have security over a specific asset or the company’s assets and rank behind secured borrowings in terms of priority when it comes to the proceeds from a liquidation or administration. Consequently recoveries may be lower or none at all in a company failure.

Returns Are Not Guaranteed

Your Capital is at Risk.

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.

WiseAlpha seeks to minimise risks but you should be aware that returns are not guaranteed and you may not get the amount back that you invested. Investments and income can go down or up and past performance is not indicative of future performance.

Lack of Liquidity

If you need access to the money you have invested before the scheduled maturity date of an investment, you may use our ‘secondary market’ to sell your investment to another user on a matched bargain basis less the relevant Sales Fee of that WiseAlpha product, however there is no guarantee of receiving liquidity.

Diversifying Your Portfolio

WiseAlpha highly recommend you maintain a balanced portfolio. Diversification (by spreading your money across different types of investments) should reduce your overall risk. You should only invest a proportion of your available investment funds via the platform due to the high risks involved.

Counterparty

As with all investment vehicles or funds, WiseAlpha Product Issuers may be exposed to credit and counterparty risk with the parties with whom it trades such as such as clearing agencies, clearing houses, banks, securities firms and exchanges. The bankruptcy or default of any counterparty could result in losses however WiseAlpha aims to mitigate this risk by working with creditworthy counterparties which are monitored and reviewed on an on-going basis.

Voting Rights

Specifically, in relation to the WiseAlpha Fractional Bonds, you will not be holding the underlying bond investments directly or other investments discussed herein. This means you do not have voting rights in respect of any of the underlying bond investments or other investments.

You may not have recourse to the Financial Services Compensation Scheme.

FSCS

WiseAlpha Technologies Ltd is authorised and regulated by the Financial Conduct Authority (No.FRN: 751087).

As such, investors are treated as customers of WiseAlpha Technologies Limited and therefore have the potential to be compensated out of the Financial Services Compensation Scheme established and operated by the Financial Conduct Authority, in the event that WiseAlpha Technologies Limited should fail in the conduct of its FCA regulated activities.

Uninvested money held in the segregated Client Account is protected by the FSCS deposit protection which is currently £85,000 per person. The Client Account is operated by WiseAlpha Technologies Limited and is held with National Westminster Bank plc.

However, investors will not be able to claim under the Financial Services Compensation Scheme merely because an investment purchased on the WiseAlpha platform loses money.

Details of the Financial Services Compensation Scheme may be found at www.fscs.org.uk.

Recommendation

WiseAlpha do not provide advice or make personal recommendations.

Content and information on the platform about potential investments is designed for general use, and so cannot be considered personal to your circumstances or your financial position.

Information posted on the platform about investments is taken from publicly available information for each borrower company listed on the platform. Neither WiseAlpha Technologies Limited nor any WiseAlpha Product Issuer is responsible for the accuracy of this information.

Throughout our site you will find links to external websites. Although we make every effort to ensure these links are accurate, up to date and relevant, we cannot take responsibility for pages maintained by external providers.

Taxation

Interest from WiseAlpha Fractional Bonds are currently paid to Fraction Bond holders without any tax being deducted. Any income you earn from your investments in WiseAlpha Products forms part of your overall income that is subject to personal or corporation taxation rules. Interest payable to WiseAlpha Product holders on money invested is charged to income tax in the tax year the interest is received. For example, interest received on 31 December 2018 is received in and taxable for the tax year 2018/19. You should declare any interest and capital gains to the HM Revenue & Customs on a self-assessment tax return if you are an individual or inform your local tax office. At the end of the tax year WiseAlpha will make available to all investors an Annual Income Statement splitting out the relevant amounts for your tax return, to download from your account. If you are in any doubt about your tax position you should seek independent tax advice.

Important Information

This platform is not directed at or intended for publication or distribution to any person (natural or legal) in any jurisdiction where doing so would result in contravention of any applicable laws or regulations. The platform information does not constitute an offer or solicitation in any jurisdictions in which such an offer or solicitation is not authorised or to any person to whom it is unlawful to make such an offer or solicitation. The information herein is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities in the United States to or for the benefit of any United States person (being residents of the United States or partnerships or corporations organised under the laws hereof). None of the products listed on this site have been registered in the United States under the Investment Company Act of 1940 and interests therein are not registered in the United States under the Securities Act of 1933. Prospective investors should take appropriate independent investment advice and inform themselves as to applicable legal requirements, exchange control regulations and taxes in the countries of their citizenship, residence or domicile.

WiseAlpha Technologies Limited (FRN: 751087) is authorised and regulated by the Financial Conduct Authority in the UK. It arranges, promotes, issues and acts as trustee for the Fractional Bonds and from time to time other WiseAlpha Product Issuers. Only WiseAlpha Technologies is regulated for the associated activities it conducts.

Any accounts set up in relation to Fractional Bonds will be held and managed in the name of WiseAlpha Technologies Limited.

Only invested cash in WiseAlpha's held in it's clients money account constitutes client money for the purposes of the FCA’s Client Money Rules. The underlying corporate bonds are held in custody with Global Prime Partners, a firm authorised and regulated with the Financial Conduct Authority. Any accounts set up in relation to any other WiseAlpha Product Issuers will be managed in the name of those Issuers with their registered details available within the Terms & Conditions of those Issuers.

WiseAlpha Technologies Limited is a company registered in England, with its registered office at Level 39, One Canada Square, Canary Wharf, London E14 5AB (Company No. 08967521).