Effective Date: May 2025
These Terms govern the relationship between Ponte Finance PLC and the Investor, and shall be read in conjunction with all applicable UK laws and regulations.
1. Acceptance of Terms
By ticking the box I have read and accept the Terms of Use, the investor declares they have read, understood, and fully accepted these terms. This is a necessary condition to complete the acquisition of shares offered by Ponte Finance PLC.
2. Who We Are
Ponte Finance is a publicly registered company in the United Kingdom operating in the bridge loan sector, providing capital to investors and real estate developers, secured by real assets.
3. Share Offer Details
- Current share price: £2 per share
- Minimum purchase: £1,000 (500 shares)
- Total shares available: 9.6 million
- Current company valuation: £20 million
This offering is part of an initial acquisition opportunity and may be changed at any time without prior notice.
4. Estimated Returns
Ponte Finance estimates an annual gross return between 15% and 35%, with a projected return on investment (ROI) between 5% and 15% per year.
Important: These projections are based on internal studies and do not represent guaranteed returns. These figures are estimates and do not constitute a contractual commitment. Past performance is not indicative of future results. The investment is subject to market fluctuations and risks inherent to property-backed lending activities.
5. Growth Potential and EBITDA
Based on company performance, the value of shares is expected to increase by 5 to 6 times within 1 to 2 years, with valuations potentially reaching up to 9 times EBITDA. These expectations do not constitute a promise of appreciation and may not materialise.
6. Loan Guarantees and Structure
All loans issued by Ponte Finance are secured by real estate assets. Legal costs, administrative fees, and exit fees are paid directly by the borrowers, reducing operational risk for investors.
7. Risk Acknowledgement
The investor acknowledges that:
- Investing in shares involves significant financial risks.
- There is no guarantee of immediate liquidity.
- Share value and profit distribution depend on company performance and market conditions.
- Investors should consider consulting an independent financial advisor before making any investment decision.
- All operations and disputes are governed by UK law.
8. Data Privacy and Confidentiality
All personal information provided will be handled in accordance with Ponte Finance's Privacy Policy and the Data Protection Act 2018 (UK GDPR).
9. Amendments to the Terms
Ponte Finance may revise these Terms of Use at any time. Investors are responsible for staying informed about any updates. Any disputes will be resolved under the exclusive jurisdiction of the courts of England and Wales.
10. Your Rights Under UK GDPR
You have the right to:
- Access your personal data
- Correct inaccurate data
- Request data deletion (unless retention is legally required)
- Request data portability or usage restriction
To exercise your rights, contact our Data Protection Officer at: privacy@ponte.finance
11. Identity Verification Requirements
11.1 In accordance with the Financial Services and Markets Act 2000, Money Laundering Regulations 2017, and other applicable UK regulations, Ponte Finance PLC is required to verify the identity of all investors.
11.2 After confirmation of investment and payment, the investor agrees to provide all necessary documents for identity verification within 14 (fourteen) days.
11.3 Required documents include (but are not limited to):
- Valid photo ID (passport, national ID, or driving licence)
- Proof of address issued within the last 3 months
- Declaration of source of funds
- Any other documents required under KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations
12. Consequences of Failing to Submit Documentation
12.1 Failure to provide complete documentation within 14 days will result in immediate suspension of the share acquisition process.
12.2 If the documentation is not regularised within 7 (seven) days of suspension, Ponte Finance PLC reserves the right to permanently cancel the investment request.
12.3 In such cases, Ponte Finance PLC may retain 100% of the invested amount, based on the following justifications:
- Coverage of administrative and operational costs already incurred
- Compensation for the reserved shares that could not be offered to other investors
- Penalty for failure to meet an essential contractual obligation
12.4 The investor acknowledges and agrees that, as this involves financial instruments (shares), cancellation and refund rights under the Consumer Contracts Regulations 2013 do not apply, in accordance with the exception provided by the Financial Services (Distance Marketing) Regulations 2004.
13. Transfer and Sale of Shares
13.1 According to the Articles of Association of Ponte Finance PLC, shares may be freely transferred to third parties, subject to the procedures outlined in the Companies Act 2006.
13.2 Ponte Finance PLC is under no obligation to repurchase shares from investors. This is at the sole discretion of company management.
13.3 Investors wishing to transfer their shares must follow procedures outlined in sections 2.1 to 2.6 of the Articles of Association, including execution of the appropriate transfer instrument and payment of any applicable fees.
13.4 Ponte Finance PLC will maintain a register of shareholders as required by UK law, and issue physical or digital share certificates to all investors.
13.5 Investors acknowledge that, as Ponte Finance PLC is not a publicly traded company, no secondary automated market for shares exists, which may limit their liquidity.
