Terms and
Conditions.

These Terms explain the basis on which Oaksbridge Properties provides its website, property sourcing and introduction services, seller and property-owner services, and introductions to bridging finance partners. They also explain how we are paid, how we use and share personal data, what each party is responsible for, and how complaints are handled.

Please read these Terms before submitting an enquiry, instructing us, viewing an opportunity, asking us to introduce you to a finance partner, or paying any fee. A separate engagement letter, sourcing agreement, fee agreement, reservation agreement or regulatory disclosure may also apply to a particular service.

Key disclosures

The points below are central to our relationship with you. They do not replace the full Terms.

1 About Oaksbridge and these Terms

1.1 OAKSBRIDGEPROPERTIES LTD is a private limited company registered in England and Wales under company number 17374582. We trade as Oaksbridge Properties. Our registered office is 128 City Road, London, United Kingdom, EC1V 2NX.

1.2 These Terms govern access to and use of www.oaksbridgeprop.com and the services described in clause 6. They apply to consumers and business clients, but some clauses expressly apply to only one of those groups.

1.3 We are a member of the Property Redress Scheme under membership number PRS060192. Our stated ICO registration reference is ZC11000. Registration or membership is not a government recommendation or a guarantee of a particular transaction outcome.

1.4 Property services under these Terms principally concern property in England and Wales. We will confirm in writing before accepting an instruction involving property elsewhere.

1.5 These Terms do not themselves appoint us to act on a particular property or finance matter. The scope, deliverables, fees, duration and any success fee for a paid service must be set out in an Engagement Document.

2 Acceptance and contract formation

2.1 By using the Website, you agree to the website-use provisions of these Terms. By asking us to begin a Service, signing an Engagement Document, checking an acceptance box, giving recorded oral acceptance, paying a fee or continuing after receiving these Terms, you agree to the provisions relevant to that Service.

2.2 An enquiry, requested valuation, indicative finance enquiry, viewing request or expression of interest is not, by itself, our acceptance of an instruction. A Service contract begins when we confirm acceptance in writing or begin work at your express request.

2.3 Property negotiations and offers are subject to contract unless a binding document signed by the relevant parties states otherwise. Nothing on the Website creates an estate contract, loan agreement, mortgage, option, exclusivity agreement, reservation agreement or obligation to buy, sell or lend.

2.4 If you are a Consumer entering a distance or off-premises service contract, clause 26 and Schedule 1 apply.

3 Eligibility and authority

3.1 You must be at least 18 years old and legally capable of entering into the relevant agreement.

3.2 If you act for a company, partnership, trust, estate, joint owner or another person, you promise that you have authority to bind that person and provide its information. We may ask for evidence of authority, ownership, directorship, beneficial ownership, probate status or power of attorney.

3.3 Joint clients are jointly and individually responsible for information, instructions and amounts due unless an Engagement Document says otherwise. We may act on an instruction from any one joint client until another joint client tells us in writing that authority is disputed.

3.4 We may decline an enquiry or instruction at our discretion where lawful, including where the Service is outside our scope, information is incomplete, a conflict exists, compliance checks are not satisfied, abusive conduct occurs or we cannot act competently.

4 Definitions

Business Client means a person acting wholly or mainly for purposes relating to that person's trade, business, craft or profession, including a property investor, developer, landlord, company, partnership, special purpose vehicle or professional adviser acting in that capacity.

Consumer means an individual acting wholly or mainly outside that individual's trade, business, craft or profession.

Engagement Document means an engagement letter, sourcing agreement, seller agreement, fee schedule, order form, reservation agreement, consent record, scope of work or other written document that we and you accept for a particular Service.

Finance Partner means a lender, credit broker, mortgage intermediary, packager, funder or other third-party finance business to which we may introduce you.

Introduced Party means a buyer, seller, owner, investor, developer, lender, broker, professional adviser or other party first identified or introduced to you through us.

Opportunity means a property, land interest, transaction, development, finance requirement or related commercial opportunity identified or presented through a Service.

Personal Data has the meaning given by applicable UK data protection law.

Service means a service described in clause 6 that we agree to provide.

Terms means this document, including its schedules, as updated in accordance with clause 36.

Website means www.oaksbridgeprop.com and any Oaksbridge webpage, form or client portal that links to these Terms.

5 Contract documents and priority

5.1 The contract for a Service may include these Terms, an Engagement Document, a fee schedule, a property-specific disclosure, a finance regulatory disclosure and any written variation accepted by both parties.

5.2 If documents conflict, the following order applies: a signed property-specific or finance-specific document; the Engagement Document; these Terms; then Website or marketing content. A later document prevails only to the extent it clearly changes an earlier one.

5.3 A Finance Partner's agreement, privacy notice and regulatory disclosure form a separate contract between you and that Finance Partner. We are not a party to it unless the document expressly names us as a party.

6 Our services and limits of our role

6.1 Depending on the accepted instruction, our Services may include searching for property, identifying off-market or marketed opportunities, introducing buyers and sellers, circulating property information, arranging communications or viewings, assisting negotiations, monitoring transaction progress and introducing Finance Partners or other professionals.

6.2 We act only within the agreed scope. Unless an Engagement Document expressly says otherwise, we do not provide legal advice, conveyancing, tax advice, accountancy, investment advice, regulated mortgage advice, surveying, valuation under RICS standards, structural advice, planning advice, environmental advice or insurance advice.

6.3 We do not guarantee that an Opportunity will be available, suitable, exclusive, below market value, mortgageable or profitable; that a seller, buyer, lender or professional will proceed; or that a transaction will exchange or complete by a target date.

6.4 Any timetable, expected return, rent, resale value, gross development value, cost estimate, loan amount, rate or completion date is an estimate unless a responsible third party gives it as a binding term in its own contract.

6.5 We may act for or receive payment from more than one party in a transaction only where lawful and after making the disclosures and obtaining the consents required by law and our professional obligations.

7 Property sourcing for buyers and investors

7.1 We will use reasonable care and skill to perform an accepted property sourcing instruction. Search criteria, territory, budget, strategy, time period, deliverables and fees must be stated in the Engagement Document.

7.2 We may source Opportunities from owners, agents, auctioneers, developers, insolvency professionals, introducers, public sources and our network. An Opportunity described as off-market may still have been shown to other buyers, marketed privately, previously advertised or later placed on the open market unless exclusivity is confirmed in writing by the person entitled to grant it.

7.3 We may provide an initial commercial assessment based on information reasonably available to us. That assessment is not an independent valuation, survey, title report, investment recommendation or promise of performance.

7.4 You are responsible for deciding whether to proceed and for appointing appropriately qualified independent advisers. You must not exchange contracts, pay a non-refundable sum or commit to funding solely because we introduced or described an Opportunity.

7.5 We may stop work when the agreed search period ends, the agreed deliverables have been provided, compliance information is outstanding, fees are overdue, the market no longer supports the criteria, or the Engagement Document otherwise permits termination.

8 Services for sellers and property owners

8.1 Where you ask us to find or introduce a buyer, you authorise us to use and disclose agreed property information for that purpose. We will confirm whether we act for you, for a prospective buyer, as an introducer only, or in another disclosed capacity.

8.2 You must provide accurate information about ownership, occupiers, tenancies, charges, restrictions, disputes, notices, planning, building works, defects, utilities, insurance, access, environmental issues, fixtures, contents and any fact likely to affect a reasonable buyer's decision.

8.3 We may ask for evidence of title, identity, authority, energy performance, tenancy terms, planning status, source of funds and other transaction information. We may pause marketing or introductions until satisfactory evidence is received.

8.4 You may accept or reject any offer. Unless a separate sole-agency, sole-selling-rights or exclusivity term is expressly agreed, these Terms do not prevent you from using another route to sell. Any fee consequences must be clearly stated in the Engagement Document.

8.5 We cannot compel a buyer to maintain an offer or complete. A buyer may revise or withdraw an offer following valuation, survey, title review, funding changes or other due diligence, subject to any binding agreement that buyer has made.

9 Direct purchases and connected interests

9.1 Oaksbridge, a director, employee, shareholder, connected person, investor in our network or a special purpose vehicle may in some cases wish to buy, take an option over, assign an interest in or otherwise participate in an Opportunity.

9.2 Where we or a connected person has a personal interest that the law requires us to disclose, we will disclose the nature of that interest in writing as soon as reasonably practicable and before the relevant party becomes contractually bound.

9.3 A direct or investor-backed offer may be lower than the price achievable after full open-market exposure. A seller should consider obtaining an independent estate-agent appraisal or RICS valuation and independent legal advice before accepting it.

9.4 No statement about speed, certainty, cash availability or legal-fee contribution is binding unless included in a signed transaction document. Completion remains subject to due diligence, clear title, contract, funding and the buyer's conditions.

9.5 If a transaction involves an option, assisted sale, assignment, onward sale or purchase by a connected party, the structure, payments, control rights and material commercial interest must be set out in separate documents prepared or reviewed by the parties' solicitors.

10 Property information and material facts

10.1 We will take reasonable care when preparing or communicating property information, but much of it comes from owners, agents, public records, third-party data providers or professional reports. We may state the source and any qualification.

10.2 Measurements, photographs, plans, mapping, tenure, planning references, rental figures, comparable evidence, refurbishment estimates and financial illustrations are guides unless independently verified. Images may use wide-angle lenses, editing or staging but must not deliberately misrepresent material facts.

10.3 We will not knowingly conceal material information. If we become aware that information is materially inaccurate or incomplete, we may correct or withdraw it and notify affected parties where appropriate.

10.4 You must promptly tell us if information you supplied changes or if you discover an error. We may share a correction with persons who previously received the affected information.

10.5 Availability is not guaranteed. A property may be withdrawn, sold, reserved or repriced without notice, subject to the rights of parties under any binding agreement.

11 Viewings access and safety

11.1 Viewings are by arrangement and subject to the owner's, occupier's or agent's requirements. You must comply with reasonable access, security, identification and safety instructions.

11.2 You enter a property at your own risk as to obvious conditions, but nothing excludes liability that cannot lawfully be excluded. Do not enter restricted, unsafe, derelict or construction areas without express permission and suitable professional supervision.

11.3 Unless authorised, you must not photograph occupiers' personal belongings, disturb possessions, operate equipment, take samples, contact tenants directly or disclose access codes.

11.4 You are responsible for anyone attending with you. Children and animals should not attend unless expressly agreed.

12 Offers reservations and transactions

12.1 We may communicate offers and counteroffers but do not have authority to bind another party unless that authority is express and lawful. Offers should identify price, funding, deposit, proposed timescale, conditions, buyer identity and solicitor details.

12.2 An accepted offer remains subject to contract. Neither acceptance nor removal from marketing guarantees exchange or completion.

12.3 Any reservation, exclusivity, lock-out or option arrangement requires a separate written agreement explaining duration, payment, refund conditions, obligations and consequences of default. You should obtain legal advice before signing or paying.

12.4 A holding or reservation payment is not purchase money. We will state who receives it, on what basis it is held, when it may be deducted or refunded, and whether it is protected. Do not pay unless those points are documented.

12.5 Each party is responsible for its own solicitor, surveyor, valuer, accountant, lender and other adviser. We may assist with updates but do not control those professionals or the conveyancing process.

13 Your due diligence and professional advice

13.1 Before becoming bound, you should independently investigate title, searches, boundaries, rights, covenants, leases, service charges, tenancies, possession, condition, structure, utilities, contamination, flood and ground risk, planning, building regulations, licensing, tax, insurance, valuation, finance and the proposed exit strategy.

13.2 Buyers and investors should use an independent solicitor and, where appropriate, a RICS-qualified valuer, building surveyor, planning consultant, tax adviser and authorised finance adviser. Sellers should use an independent solicitor and consider an independent valuation.

13.3 A projected yield, discount to market value, refurbishment budget, rental appraisal, development value or profit calculation depends on assumptions that may change. You must test the assumptions and allow for tax, finance costs, voids, arrears, works, professional fees, delays and market movement.

13.4 We are not responsible for a professional adviser simply because we supplied contact details, unless liability arises from our own failure to use reasonable care in a way that cannot lawfully be excluded.

14 Bridging finance introductions

14.1 Oaksbridge is not a lender and does not itself decide whether finance is suitable, affordable, available or approved. Our role is limited to gathering preliminary information, providing general factual information and making an introduction to a Finance Partner, unless a separate regulatory disclosure lawfully states a wider role.

14.2 We do not promise whole-of-market coverage. We may work with a limited panel or select one or more Finance Partners using factors such as the stated requirement, property type, location, timing, lending criteria, service record and commercial arrangements. We will not claim independence or whole-of-market status unless accurate.

14.3 Before sharing identifiable financial information, we will tell you the Finance Partner's name or clearly describe the partner or panel and obtain the authority required by data protection and financial-services rules.

14.4 The Finance Partner is responsible for any regulated advice, recommendation, product disclosure, affordability or creditworthiness assessment, application, valuation instruction, underwriting, offer, legal work and release of funds.

14.5 An indication, decision in principle, term sheet or illustrative quote is not a binding offer. Rates, fees, loan-to-value, security, guarantees, exit requirements and timing may change after valuation, searches, underwriting or legal review.

15 Regulated and unregulated finance

15.1 Bridging finance can fall inside or outside FCA regulation depending on the borrower, security, occupancy, purpose and transaction structure. Business-purpose, investment and some buy-to-let arrangements may be unregulated. A Finance Partner must explain the status of the proposed product before you commit.

15.2 Where FCA authorisation is required for the relevant activity, we intend to introduce only to a firm that appears on the Financial Services Register as authorised, exempt or appointed to carry on that activity. We or the Finance Partner will provide the relevant legal name and firm reference details for checking.

15.3 A firm's appearance on the Financial Services Register does not mean that every service or product it offers is regulated, approved or covered by the Financial Ombudsman Service or Financial Services Compensation Scheme.

15.4 Unless we give you a separate written regulatory disclosure identifying an authorisation, exemption, principal firm and permitted scope, you must not understand Oaksbridge to be providing regulated mortgage advice, a personal recommendation or any regulated activity beyond a lawful introduction.

15.5 We will not knowingly carry on a regulated activity without the necessary permission, exemption or appointment. We may refuse or stop an introduction if the regulatory position is unclear.

16 Commission fees and conflicts

16.1 A Finance Partner may pay us a referral fee, introducer fee or commission if we introduce you and you proceed, complete, draw down finance or meet another disclosed payment trigger. The payment may be fixed, percentage-based, tiered or linked to the partner's income from the transaction.

16.2 This commission gives us a commercial interest in making the introduction and may differ between partners. It can therefore create a potential conflict of interest. We manage that conflict by explaining our limited role, not claiming whole-of-market independence unless true, considering the information you give us and disclosing remuneration as required.

16.3 Before you become bound to a regulated finance product, we or the Finance Partner will disclose the nature of the commission and any other information required by applicable rules. Where the law requires disclosure, or where you ask and we are able to obtain it, we will disclose the amount or the basis on which it is calculated.

16.4 Unless a separate fee agreement says otherwise, you do not pay Oaksbridge a fee merely for a finance introduction. A commission paid by a Finance Partner is payment for the introduction or completed business; it is not a sale of your Personal Data.

16.5 A Finance Partner may charge valuation, arrangement, legal, administration, exit, broker or other fees. Those are separate from our commission and must be explained in the partner's documents. We do not promise that our commission has no effect on the economics of the product.

16.6 Property sourcing, seller or transaction fees are separate from finance commission and must be shown in the Engagement Document. We will disclose any material payment from more than one party where required.

17 Finance partner applications and decisions

17.1 You must give complete and accurate information about identity, income, assets, liabilities, credit history, property, security, ownership, use, works, planning, exit strategy, source of funds and any fact requested by us or the Finance Partner.

17.2 You authorise relevant checks only to the extent described at the time. A Finance Partner may search credit-reference, fraud-prevention, sanctions, identity, Companies House, Land Registry and other databases under its own terms and privacy notice.

17.3 Finance is never guaranteed. We are not responsible for a partner declining, delaying, repricing, reducing or withdrawing finance, unless a loss was caused by our own breach of duty and liability cannot lawfully be excluded.

17.4 You must review the Finance Partner's offer, illustration, agreement, security documents, guarantees, default provisions and regulatory status with appropriate advisers. Bridging finance is short-term and may put property or other assets at risk if it is not repaid.

17.5 You remain responsible for an achievable exit strategy and for meeting interest, fees, covenants and repayment obligations. We do not monitor the loan after completion unless separately agreed.

18 Property service fees VAT and expenses

18.1 The Engagement Document must state each fee, the payment trigger, whether VAT is included or additional, any retainer, deposit, reservation fee, success fee, renewal or protection period, and any agreed third-party expense.

18.2 We will not charge a fee that was not disclosed before you agreed to the Service. A variable fee must have a clear calculation method.

18.3 Unless the Engagement Document says otherwise, you are responsible for your own legal, valuation, survey, finance, tax, planning, insurance, search, travel and professional costs, including where a transaction does not proceed.

18.4 A fee described as non-refundable remains subject to mandatory consumer cancellation rights, the requirement that terms be fair, and any express refund conditions in the Engagement Document. We may retain only sums we are lawfully entitled to retain.

18.5 If we agree to incur a material third-party expense for you, we will seek approval and explain whether a mark-up or rebate applies. We may ask you to fund the expense in advance.

19 Payment and overdue amounts

19.1 Invoices are due on the date stated in the Engagement Document or invoice. You must pay in cleared funds without set-off, deduction or counterclaim except where the law permits.

19.2 For Business Clients, we may charge statutory interest and compensation under the Late Payment of Commercial Debts Interest Act 1998 where it applies, or the contractual rate stated in the Engagement Document, but not both for the same period.

19.3 For Consumers, we will charge interest or recovery costs only if clearly agreed, fair, proportionate and lawful. We will not use an unpaid genuinely disputed amount as a reason to impose an unfair penalty.

19.4 We may suspend paid Services while an undisputed invoice remains overdue after reasonable written notice. Suspension does not affect rights that arose before suspension.

20 Introductions protection period and non-circumvention

20.1 This clause protects work for which an Engagement Document provides a success or introduction fee. It does not create a fee where none was agreed.

20.2 If the Engagement Document states a protection period, the agreed success or introduction fee remains payable where, during that period, you or a Connected Participant completes or substantially completes a transaction involving an Opportunity or Introduced Party first introduced through us, even if the final structure or price changes or another intermediary becomes involved.

20.3 Connected Participant means a company, partnership, trust, relative, associate, nominee, funder, co-investor or special purpose vehicle through which you directly or indirectly pursue the introduced transaction.

20.4 The protection period and fee must be reasonable and stated prominently in the Engagement Document. If no protection period is stated, this clause does not impose one.

20.5 No fee is due under this clause if you prove that, before our introduction, you were already in active and documented negotiations about the same Opportunity with the relevant party and you notify us promptly after our introduction.

20.6 For a Consumer, this clause applies only if it was individually and transparently brought to the Consumer's attention, forms part of a fair agreement and is enforceable under consumer law.

21 Anti-money laundering sanctions and fraud checks

21.1 Property sourcing and estate-agency activity can be subject to the Money Laundering Regulations. We may carry out customer due diligence on sellers, buyers, beneficial owners, persons acting on their behalf and other relevant parties.

21.2 You must promptly provide satisfactory identity, address, ownership, corporate, beneficial ownership, source-of-funds, source-of-wealth and transaction-purpose evidence. Enhanced checks may apply to higher-risk matters, politically exposed persons, unusual structures or higher-risk countries.

21.3 We may use electronic identity, fraud, sanctions, adverse-media and corporate verification providers and may ask a solicitor, Finance Partner or other regulated professional to confirm checks where lawful.

21.4 We may delay, refuse, suspend or terminate a Service or transaction if checks are incomplete or raise concerns. We may make a report or disclosure to a competent authority where required and may be legally prohibited from telling you about it.

21.5 You must not use our Services to facilitate fraud, money laundering, tax evasion, sanctions breaches, market manipulation, concealment of ownership or any unlawful purpose.

22 Client money and transaction funds

22.1 Unless a separate compliant arrangement expressly says otherwise, we do not hold purchase money, loan proceeds, deposits, rent, service charges or other client money. Transaction funds should normally be paid through the relevant solicitor, lender, auctioneer or authorised stakeholder.

22.2 Do not send money to bank details received only by email without independently verifying the account using a trusted contact method. Property transactions are a target for payment-diversion fraud.

22.3 If we are asked to receive a reservation payment or other sum, we will first explain in writing the legal basis, bank account, capacity in which it is held, protection arrangements, release trigger and refund terms. We may decline to hold funds.

23 Your promises and responsibilities

23.1 You promise that information and documents you provide are accurate, complete, current, lawfully obtained and not misleading by omission; that you have authority to provide them; and that you will promptly correct material changes.

23.2 You must make your own decision, read documents before signing, meet deadlines, protect confidential information, comply with law and cooperate reasonably with due diligence and transaction requests.

23.3 You must not misrepresent our role, alter our materials, publish confidential Opportunity details, contact an owner or occupier contrary to an agreed process, or use information to harass, discriminate or act unlawfully.

23.4 You must tell us about conflicts, connected parties, prior introductions, insolvency, enforcement, restrictions, sanctions exposure, suspected fraud or other facts reasonably relevant to our ability to act.

24 Communications records and electronic signatures

24.1 We may communicate by email, telephone, messaging service, portal, video call or post using the details you provide. You must keep those details current and protect access to your accounts and devices.

24.2 Email and messaging are not guaranteed to be secure, error-free or immediate. Tell us if a message contains information that should use a more secure transfer method.

24.3 We may keep written notes and, after giving appropriate notice, record calls for quality, evidence, training, compliance and dispute resolution. Schedule 4 explains retention and rights.

24.4 Electronic acceptance, signatures and copies may be used to form and evidence agreements to the extent permitted by law. A notice is not invalid merely because it is electronic.

24.5 Marketing consent is separate from Service communications. You may opt out of marketing without preventing necessary messages about an enquiry, instruction or transaction.

25 Complaints redress and regulatory complaints

25.1 If you are dissatisfied with an Oaksbridge property Service, send the details and desired outcome to ContactSupport@oaksbridgeprop.com or write to the registered office. Schedule 5 contains our complaint process.

25.2 We aim to acknowledge a complaint within three working days and provide a final written response as soon as reasonably practicable and within eight weeks, unless a shorter applicable period is required. If we need more time, we will explain why and provide an update.

25.3 If an eligible property complaint is unresolved after our final response, or eight weeks have passed without resolution, you may refer it to the Property Redress Scheme, subject to its eligibility rules and time limits. Our membership number is PRS060192. More information is available at www.propertyredress.co.uk.

25.4 A complaint about a Finance Partner, regulated advice, lending decision or finance product should also be sent to that Finance Partner under its complaints procedure. Its final response will explain whether the Financial Ombudsman Service may consider the complaint.

25.5 A data protection concern may be raised with us first and may also be referred to the Information Commissioner's Office. Schedule 4 provides details.

25.6 Nothing in this clause prevents you from exercising a statutory right or bringing court proceedings where entitled.

26 Consumer cancellation rights

26.1 If you are a Consumer and enter into a paid service contract with us online, by telephone or away from our business premises, you will normally have 14 days from the day after the contract is made to cancel without giving a reason, subject to legal exceptions.

26.2 To cancel, send a clear statement to ContactSupport@oaksbridgeprop.com or the registered office. You may use the model form in Schedule 1, but you do not have to. A cancellation sent before the period expires is sufficient.

26.3 We will not begin a paid Service during the cancellation period unless you expressly request early performance. If you requested early performance and cancel before completion, you must pay a proportionate amount for the Service supplied up to cancellation, based on the total agreed price.

26.4 If you expressly requested early performance, acknowledged that the cancellation right would be lost on full performance, and we fully perform the Service within the cancellation period, the statutory right to cancel that fully performed Service ends.

26.5 Where a refund is due, we will make it without undue delay and normally within 14 days after being informed of cancellation, using the original payment method unless otherwise agreed and without a refund fee.

26.6 This clause does not limit rights arising because a Service was not provided with reasonable care and skill or did not conform to the contract.

27 Suspension and termination

27.1 Either party may terminate an ongoing Service as stated in the Engagement Document or, if it states no notice period, on reasonable written notice.

27.2 We may suspend or terminate immediately where reasonably necessary because of illegality, regulatory risk, failed compliance checks, fraud concern, material breach, non-payment of an undisputed amount, conflict of interest, threatening or abusive behaviour, or inability to perform the Service safely or competently.

27.3 Where a remediable breach occurs, we will normally give a reasonable opportunity to remedy it before termination unless urgency, law, safety or fraud risk makes that inappropriate.

27.4 Termination does not affect accrued fees, confidentiality, data use required by law, a valid protection-period fee, liability for earlier breach or clauses intended to survive.

27.5 A Consumer will not be charged an unfair cancellation penalty. Any amount retained must reflect lawful accrued charges, work supplied, authorised expenses or actual loss recoverable under a fair contract.

28 Liability to consumers

28.1 We will provide Services to Consumers with reasonable care and skill. Nothing in these Terms restricts a Consumer's mandatory legal rights or remedies.

28.2 If we breach the contract, we are responsible for loss or damage that is a foreseeable result of our breach or failure to use reasonable care and skill. Loss is foreseeable if it was an obvious consequence or both parties knew it might occur when the contract was made.

28.3 We are not responsible for loss caused by inaccurate information you or an independent third party supplied where we took reasonable care, by a decision that remained yours after appropriate disclosure, or by an event we could not reasonably control, except to the extent our own breach contributed.

28.4 Consumer Services are for private use unless we accept a business instruction. We are not liable under a Consumer contract for business losses such as lost profit, revenue, opportunity or business interruption.

28.5 Nothing excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of terms implied by law that cannot be excluded, or any other liability that cannot lawfully be excluded or limited.

29 Liability to business clients

29.1 This clause applies only to Business Clients and is subject to clause 29.5.

29.2 We are not liable for indirect or consequential loss, or for loss of profit, revenue, rent, anticipated saving, opportunity, goodwill, data or business interruption, arising from or connected with a Service, whether in contract, tort, misrepresentation, restitution or otherwise.

29.3 Our total aggregate liability arising from an affected Service will not exceed the greater of GBP 5,000 and 100 percent of the fees paid or payable to us for that Service in the 12 months before the event giving rise to the claim. This cap applies only to the extent it is reasonable and enforceable under applicable law.

29.4 We are not liable for a Finance Partner's or professional adviser's acts or omissions, a third party's withdrawal, a market change, an unsuccessful application, a transaction failing to complete, or an estimate not being achieved, except to the extent directly caused by our breach.

29.5 Nothing excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of an obligation that cannot lawfully be excluded, or deliberate default. Nothing limits your obligation to pay an agreed fee.

29.6 Each party acknowledges that the allocation of risk in this clause is reflected in the scope and price of the Service and that appropriate insurance may be obtained for risks outside that allocation.

30 Business client indemnity

30.1 A Business Client will reimburse us for reasonable, evidenced losses, liabilities and third-party costs directly caused by the Business Client's material breach of clauses 3, 21 or 23, unlawful use of our materials, or lack of authority to instruct us or provide information.

30.2 The indemnity does not apply to the extent loss was caused by our negligence, breach, wilful default or failure to mitigate. We will notify you promptly of a material third-party claim, allow reasonable participation in its defence and not settle it on terms admitting your liability without consent, not to be unreasonably withheld.

31 Website availability and acceptable use

31.1 Website content is general information and does not constitute professional advice, a property valuation, a finance offer or a recommendation tailored to you.

31.2 We aim to keep the Website accurate and available but may update, suspend or withdraw content for maintenance, security, operational or legal reasons. We do not guarantee uninterrupted or error-free access.

31.3 You must not misuse the Website, attempt unauthorised access, introduce malicious code, scrape or copy content at scale, interfere with security, impersonate another person, submit unlawful material or use contact data for unsolicited marketing.

31.4 Links to third-party websites are provided for convenience. We do not control their content, security or availability and a link does not mean endorsement.

31.5 You are responsible for suitable devices, connectivity, security software and backups. Suspected vulnerability or account misuse should be reported promptly to our contact email.

32 Intellectual property

32.1 We or our licensors own the intellectual property in the Website, branding, property packs, analysis, templates, photographs and other materials we create, except for third-party material identified as such.

32.2 We grant you a limited, non-exclusive, non-transferable licence to use materials supplied for evaluating or completing the relevant transaction. You may share them with your professional advisers and funders on a confidential need-to-know basis.

32.3 You must not republish, resell, syndicate, alter, reverse engineer, remove notices from or commercially exploit our materials without written permission, except where law permits.

32.4 You retain ownership of material you provide. You grant us a non-exclusive licence to use, copy, adapt and share it only as reasonably required to provide the Service, comply with law, maintain records and exercise contractual rights.

33 Confidentiality

33.1 Each party will keep the other's confidential business, financial, personal and transaction information confidential and use it only for the Service, transaction, professional advice, funding, compliance or enforcement of rights.

33.2 Information may be disclosed to staff, contractors, connected participants, professional advisers, Finance Partners and authorities who need it and are subject to appropriate duties or legal controls.

33.3 Confidentiality does not apply to information lawfully public, already known without restriction, independently developed, lawfully received from another source, authorised for disclosure or required by law or a competent authority.

33.4 These confidentiality obligations continue after a Service ends. Personal Data remains subject to clause 34 and Schedule 4.

34 Data protection and privacy

34.1 For Personal Data we determine how and why to use, OAKSBRIDGEPROPERTIES LTD is the controller. Schedule 4 explains the information we collect, purposes, lawful bases, recipients, retention and individual rights.

34.2 We do not sell or rent Personal Data. We may earn property-service fees and finance-introduction commission, but those payments are remuneration for Services or completed business, not payment for ownership of your Personal Data.

34.3 We share only information reasonably needed for a requested or authorised purpose. For a finance introduction, the Finance Partner normally becomes an independent controller under its own privacy notice.

34.4 We may process information without consent where another lawful basis applies, including steps requested before a contract, performance of a contract, legal obligations, anti-money laundering checks, legitimate interests or legal claims. Consent is used where the law requires it and may be withdrawn for future processing.

34.5 You must not give us another person's Personal Data unless you are authorised to do so and have given that person any information required by law.

35 Events outside reasonable control

35.1 Neither party is responsible for delay or failure caused by an event beyond its reasonable control, including serious systems failure, cyberattack despite reasonable precautions, utility or communications failure, fire, flood, epidemic, industrial dispute, government action, court or Land Registry disruption, or failure of an essential third-party service.

35.2 The affected party must take reasonable steps to reduce the impact and resume performance. Payment obligations already due are not excused.

35.3 If an event materially prevents an ongoing Consumer Service for an unreasonable period, the Consumer may terminate and receive any refund required by law for the unprovided part.

36 Changes to these Terms

36.1 We may change the Website-use Terms prospectively for legal, regulatory, security, operational or clarity reasons. The current version and effective date will be posted on the Website.

36.2 A change will not retrospectively alter an accepted one-off Service or accrued right unless the law requires it or both parties agree.

36.3 For an ongoing Service, we will give reasonable notice of a material change. If a change materially disadvantages a Consumer, the Consumer may terminate before it takes effect without an unfair penalty, subject to paying for Services properly supplied.

37 Assignment and subcontracting

37.1 We may use employees, contractors, technology providers and specialist suppliers to deliver parts of a Service while remaining responsible for our contractual duties.

37.2 We may transfer our rights and obligations as part of a genuine sale, restructuring or transfer of business, provided this does not reduce a Consumer's rights. We will give notice where required.

37.3 You may not transfer an Engagement Document without our written consent, except that a Consumer may exercise any statutory right and a Business Client may request transfer to a connected special purpose vehicle with appropriate checks and documentation.

38 General legal terms

38.1 If a court or authority finds part of these Terms unlawful or unenforceable, that part will be treated as removed or modified to the minimum extent necessary. The remaining provisions continue.

38.2 A delay in enforcing a right is not a waiver. A waiver on one occasion does not waive the same right later.

38.3 Except where an Engagement Document expressly gives a right to another person, no person other than the parties may enforce the contract under the Contracts (Rights of Third Parties) Act 1999. This does not affect a Finance Partner's separate rights under its own agreement.

38.4 These Terms and the applicable Engagement Documents form the entire agreement about the Service, but they do not exclude liability for fraud or prevent a Consumer from relying on statements or rights that cannot lawfully be excluded.

38.5 Headings aid navigation and do not change meaning. Examples introduced by words such as including do not limit the words before them. Writing includes email unless a clause expressly requires a signed document.

38.6 Nothing creates a partnership, joint venture, employment relationship or authority for one party to bind the other, except for a specific authority expressly granted in writing.

39 Governing law and courts

39.1 These Terms and each Service contract are governed by the law of England and Wales.

39.2 If you are a Business Client, the courts of England and Wales have exclusive jurisdiction over disputes arising from or connected with the contract.

39.3 If you are a Consumer resident in another part of the United Kingdom, you may bring proceedings in the courts of the part of the United Kingdom where you live, and nothing deprives you of mandatory protections applicable to you.

40 Contact details

OAKSBRIDGEPROPERTIES LTD trading as Oaksbridge Properties

Company number 17374582

128 City Road, London, United Kingdom, EC1V 2NX

Email ContactSupport@oaksbridgeprop.com

Website www.oaksbridgeprop.com

Property Redress Scheme membership number PRS060192

ICO registration reference ZC11000

Schedule 1 Consumer cancellation form and early performance request

Part A Model cancellation form

Complete and return this form only if you wish to cancel a qualifying Consumer service contract. You may instead send any clear cancellation statement.

To OAKSBRIDGEPROPERTIES LTD, 128 City Road, London, United Kingdom, EC1V 2NX, or ContactSupport@oaksbridgeprop.com

I or we give notice that I or we cancel the contract for the following Service:

Service ordered on:

Consumer name:

Consumer address:

Email and telephone:

Signature if sent on paper:

Date:

Part B Express request to start during the cancellation period

Use this wording only where you want a paid Service to begin before the 14-day cancellation period ends:

I expressly request OAKSBRIDGEPROPERTIES LTD to begin the agreed Service during my 14-day cancellation period. I understand that if I cancel after work has begun, I must pay a proportionate amount for the Service supplied up to cancellation. I also understand that if the Service is fully performed within that period, and I have acknowledged this, I will lose the statutory right to cancel that fully performed Service.

Service:

Consumer name:

Signature or electronic acceptance:

Date:

Schedule 2 Property sourcing engagement particulars

This schedule records the commercial particulars that must be completed or incorporated into a separate Engagement Document before a paid property sourcing instruction begins. It is not complete until the parties have agreed the entries.

Schedule 3 Finance introduction consent and commission disclosure

Part A Introduction record

The following information should be confirmed before identifiable details are sent to a Finance Partner.

• Customer legal name and contact details

• Whether the customer is acting as a Consumer, landlord, investor, developer, company, partnership or trustee

• Purpose, amount, term, property, security, occupancy, ownership, proposed works and exit strategy

• Name of the Finance Partner or a clear description of the agreed panel or category

• The information to be shared and why it is needed

• Whether the proposed product may be regulated or unregulated, with final status to be confirmed by the Finance Partner

• Oaksbridge's role as introducer and the Finance Partner's responsibility for advice, underwriting and the finance agreement

• Customer authority to share the stated information

Part B Standard commission disclosure

Oaksbridge may receive a referral fee or commission from the Finance Partner if you proceed or complete. This gives us a commercial interest in making the introduction. The payment may differ between partners. We will disclose the nature of the commission and, where required or requested and available, the amount or calculation basis before you become bound. The commission is payment for the introduction or completed business and is not a sale of your Personal Data.

Part C Customer confirmation

I confirm that I have been told Oaksbridge is not the lender; that the Finance Partner is responsible for the product, advice where provided, application, underwriting and decision; that bridging finance may be regulated or unregulated depending on the circumstances; that Oaksbridge may receive commission; and that I authorise Oaksbridge to send the agreed information to the identified Finance Partner or agreed panel for the purpose of my enquiry.

Finance Partner or panel:

Information authorised for sharing:

Commission amount or calculation basis if disclosed:

Customer name:

Signature or electronic acceptance:

Date and time:

Schedule 4 Privacy and data sharing notice

This notice explains how OAKSBRIDGEPROPERTIES LTD uses Personal Data in connection with the Website, enquiries, property Services and finance introductions. It should be read with the main Terms and any just-in-time notice shown on a form.

1 Controller and contact

OAKSBRIDGEPROPERTIES LTD, company number 17374582, is the controller for Personal Data it determines how and why to use. Contact us at ContactSupport@oaksbridgeprop.com or 128 City Road, London, United Kingdom, EC1V 2NX. Our stated ICO registration reference is ZC11000.

2 Personal Data we may collect

• identity, age, address, contact details, signatures and identity-verification results

• company, trust, partnership, directorship, shareholding and beneficial ownership information

• property address, title, tenure, occupancy, tenancy, condition, value, works, planning and transaction information

• finance requirement, income, assets, liabilities, credit circumstances, bank or funding evidence, security and exit strategy

• source-of-funds, source-of-wealth, sanctions, politically exposed person, fraud and anti-money laundering information

• enquiries, instructions, complaints, call notes or recordings, emails, messages, document history and consent records

• Website device, log, cookie, IP address, form, referral source and usage information

• marketing preferences and records of opt-in, opt-out and suppression

3 Sources

We collect information from you and persons acting for you; joint owners and connected participants; sellers, buyers, agents and introducers; Finance Partners and professional advisers; identity, fraud and compliance providers; Companies House, Land Registry and other public records; Website technologies; and lawful third-party sources. We will identify material sources where required.

4 Purposes and lawful bases

5 No sale of Personal Data

We do not sell, rent or trade Personal Data to another business for that business to own or use for unrelated purposes. A property fee or finance-introduction commission is payment for work, an introduction or completed business. It is not payment for ownership of Personal Data. We will not add you to an unrelated third party's marketing list in exchange for payment.

6 Who may receive information

We may disclose relevant information to the following recipients where lawful and necessary:

• the named or described Finance Partner or agreed panel for an introduction you request

• buyers, sellers, owners, agents, auctioneers, developers and connected participants involved in an Opportunity

• solicitors, conveyancers, surveyors, valuers, accountants, tax advisers, insurers, planning consultants and other professionals

• identity, anti-money laundering, sanctions, fraud-prevention, credit-reference and verification providers

• hosting, communications, electronic-signature, customer-management, analytics, payment and secure-storage suppliers acting under contract

• regulators, redress schemes, law-enforcement bodies, courts, tax authorities and public authorities where required or permitted

• a genuine prospective buyer or successor of our business under confidentiality and data protection controls

We will not send an identifiable finance enquiry to multiple partners without telling you the intended recipient, panel or category and recording appropriate authority. A Finance Partner usually acts as an independent controller and must provide its own privacy information.

7 Special category and criminal offence information

We do not routinely seek health or other special category information. If such information is relevant, for example to accessibility, vulnerability or legal claims, we will use it only with an additional lawful condition such as explicit consent, substantial public interest or legal claims. Criminal-offence and sanctions information is handled only where authorised by law with appropriate safeguards.

8 Credit and automated decisions

Oaksbridge does not make a solely automated lending decision that produces legal or similarly significant effects. Finance Partners and fraud or credit-reference providers may use scoring or automated tools under their own notices. Ask the relevant partner about human review and challenge rights.

9 Retention

Periods may be shortened or extended where necessary for law, regulatory guidance, limitation periods, insurance, an active transaction, a complaint, litigation hold, fraud prevention or the establishment, exercise or defence of legal claims. We securely delete or anonymise information when no longer needed.

10 International transfers

If a supplier or recipient processes Personal Data outside the United Kingdom, we will use a lawful transfer mechanism where required, such as UK adequacy regulations, the UK International Data Transfer Agreement or Addendum, and proportionate supplementary safeguards. You may ask for information about the relevant safeguard.

11 Security

We use proportionate technical and organisational measures designed to protect Personal Data, including access control, supplier checks, secure storage and staff procedures. No internet or storage system is completely secure. Please do not send highly sensitive documents through an unapproved channel and tell us promptly about suspected compromise.

12 Your rights

Subject to legal conditions and exemptions, you may ask for access, correction, deletion, restriction, portability, objection to processing based on legitimate interests, withdrawal of consent for future processing, and review of a qualifying automated decision. You may opt out of direct marketing at any time. We may need to verify identity and may retain information where law or legal claims require it.

13 Complaints to the ICO

Please contact us first so we can try to resolve a concern. You may also complain to the Information Commissioner's Office at www.ico.org.uk or by writing to Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. This does not affect other legal rights.

14 Children

Our Services are not directed to children. Do not submit an enquiry if you are under 18. If information about a child is genuinely necessary for a property or legal matter, it must be provided by an authorised adult and handled only for a lawful, proportionate purpose.

15 Changes to this notice

We may update this notice to reflect law, regulation, Services or data use. A material change affecting an active relationship will be communicated where required. The effective date appears on the first page.

Schedule 5 Complaints procedure

1 How to complain

Send your name, contact details, property or reference, a clear account of the issue, relevant dates and documents, and the outcome you seek to ContactSupport@oaksbridgeprop.com. You may instead write to OAKSBRIDGEPROPERTIES LTD, 128 City Road, London, United Kingdom, EC1V 2NX.

2 Our process

• We aim to acknowledge the complaint within three working days and identify the person handling it.

• We may ask for information needed to investigate fairly and may speak to relevant staff, contractors, clients or professional parties.

• We will assess the evidence, applicable contract, law, regulatory duties and any practical resolution.

• We aim to send a reasoned final response as soon as reasonably practicable and within eight weeks. If we cannot, we will explain the delay and available escalation routes.

• A final response will state our decision, any remedy offered and how an eligible complaint may be escalated.

3 Property Redress Scheme

If an eligible property complaint remains unresolved after our final response, or eight weeks have passed without resolution, you may submit it to the Property Redress Scheme in accordance with its current terms of reference, evidence requirements and time limits. Quote membership number PRS060192. Visit www.propertyredress.co.uk or use its online complaint service.

4 Finance complaints

If the issue concerns a lender, broker, regulated advice, an application, underwriting, a finance agreement or conduct by a Finance Partner, complain directly to that firm as well as telling us where our introduction is relevant. The firm's final response should explain any right to refer the matter to the Financial Ombudsman Service. Protection may not apply to an unregulated product or an ineligible business complainant.

5 Data protection complaints

Send a data protection concern to our contact email. You may also complain to the Information Commissioner's Office. Details are in Schedule 4.

6 Records and fairness

We will handle complaints without charging a complaint fee, keep proportionate records, protect confidentiality, make reasonable adjustments where needed, and not disadvantage a person merely for raising a complaint in good faith.