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Terms & Conditions📜

Last updated: October 10th 2025

Welcome to the website of Fractional Keys (“we,” “our,” or “us”). By accessing or using this website (the “Site”), you agree to be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.

These Terms apply to all visitors, users, and others who access or interact with our Site.

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1. About Fractional Keys

Fractional Keys is a property investment platform that allows users to invest in real estate through fractional ownership. At this stage, our platform is in pre-launch, and the current version of our website is designed to provide information about our services and allow users to register their interest before the official app launch.

You are not able to invest or purchase property shares via this website at this time.

 

2. Eligibility

By using this website, you confirm that:

  • You are at least 18 years old

  • You have the legal capacity to enter into these Terms

  • You are accessing the site for lawful purposes only

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3. Account Registration

To register your interest in our platform or receive updates, you may be required to submit personal information such as your name and email address.

By signing up, you agree that:

  • The information you provide is accurate and up to date

  • You will not impersonate anyone or use false information

  • You consent to receiving communications from us via email or other methods related to platform updates, early access, or marketing (you may unsubscribe at any time)

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3. Early-Access Incentives & Promotions

From time to time, we may advertise pre-launch or launch-window incentives (the “Incentives”). Unless expressly stated otherwise, the following applies:

3.1 Incentive structure (first qualifying deposit only).

  • The Incentive is a non-cash investment credit equal to 10% of your first qualifying cash deposit, issued in £5 increments, with a minimum deposit of £50 and a maximum qualifying deposit of £500.

  • This means:

    • £50 deposit → £5 credit

    • £100 deposit → £10 credit

    • £150 deposit → £15 credit

    • …continuing in £5 steps…

    • £500 deposit → £50 credit (maximum)

  • Deposits below £50 do not qualify. Deposits above £500 qualify for the £50 maximum credit only. The Incentive applies once per user to the first qualifying deposit made after successful onboarding.

3.2 Non-cash and usage.
Incentive credits are not cash, cannot be withdrawn, transferred, exchanged, or sold, and (if issued) may only be used to acquire eligible assets on the Platform in accordance with our rules.

3.3 Eligibility conditions.
Earning and use of credits requires successful onboarding (including KYC/AML), compliance with our Terms, and funding from a payment method we accept. We may specify additional rules on-site (e.g., geographic or product eligibility).

3.4 Clawback/forfeiture.
If eligibility conditions are not met or are later reversed (e.g., failed KYC, reversed/charged-back deposit, account breach, duplicate accounts), we may withhold, cancel, or reverse Incentive credits.

3.5 Expiry.
Credits carry a 180 day expiry and will lapse if unused by then. Expired or forfeited credits will not be re-issued.

3.6 Abuse and limits.
One account per person/household. Self-referrals, duplicate or suspicious registrations, and attempts to game the Incentive invalidate eligibility.

3.7 Changes.
We may modify, suspend, or withdraw the Incentive at any time before it is earned. Where you have already met all stated conditions, we will honour the Incentive as described when earned.

4. Use of the Website

You agree to use the website only for lawful purposes and in a way that does not infringe on the rights of, restrict, or inhibit anyone else’s use of the Site. Prohibited uses include:

  • Attempting to gain unauthorized access to any part of the Site

  • Using the Site to distribute spam or malicious software

  • Reproducing, duplicating, or copying any content from the Site without written permission

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5. Intellectual Property

All content on the Site, including but not limited to text, graphics, illustrations, logos, icons, and images, is the property of Fractional Keys or its licensors and is protected by copyright, trademark, and other applicable laws.

You may not use or reproduce any content without express written consent from us.

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6. No Financial Advice

The information provided on this Site is for informational and marketing purposes only and does not constitute financial, investment, or legal advice.

You should seek professional advice tailored to your personal circumstances before making any investment decisions. We do not offer regulated investment advice, and use of this website does not create an advisory or fiduciary relationship.

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7. Risk Warning

All investments carry risk. The value of property shares may rise or fall, and there is no guarantee of returns or capital preservation. Although our platform will aim to provide accessible entry points into property investing, users should be aware that capital is at risk once investment features are live.

A full risk disclosure will be provided upon app launch.

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8. Limitation of Liability

To the fullest extent permitted by law, Fractional Keys excludes all liability for any loss or damage (direct, indirect, or consequential) that may arise in connection with:

  • Use or inability to use the Site

  • Reliance on any content or information displayed on the Site

  • Unauthorized access to user data

We do not warrant that the website will be error-free, secure, or continuously available.

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9. Third-Party Links

Our Site may contain links to third-party websites, platforms, or services. These links are provided for your convenience only, and we are not responsible for the content, policies, or practices of any third-party websites.

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10. Termination

We reserve the right to suspend or terminate your access to the website at our discretion, without notice, for any reason — including, but not limited to, violation of these Terms.

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11. Modifications to These Terms

We may revise or update these Terms at any time without prior notice. Changes will take effect immediately upon being posted on this page. Continued use of the Site after changes are made constitutes your acceptance of those changes.

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12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, and you agree to submit to the exclusive jurisdiction of the courts located in the United Kingdom.

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13. Contact Us

If you have any questions or concerns about these Terms, you can contact us at:

Fractional Keys Ltd
Email: admin@fractionalkeys.co.uk
Website: https://nicholas01w.wixsite.com/fractional-keys

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14. Legal Disclaimer

Registering your interest does not constitute an offer or agreement to invest, nor does it guarantee access to future investment opportunities. Investment features will only become available upon the official launch of the Fractional Keys platform, subject to any applicable financial regulations.

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