Important Information
Treating customers fairly.

Non-FCA Authorisation Status

Adavo is a value-driven, ethical property business. We endeavour to conduct our business to the highest standards and that means presenting our information in a fair, clear and not misleading fashion. The UK property market, other than sell and rent back transactions, is not a regulated market and as a property firm we are not authorised by the FCA. We are also not authorised from a general investment advice standpoint which is why the only products offered by Adavo are property investments.

We have taken considerable legal advice during the several iterations of our development and have sought high level advice in order to ensure we comply fully with FCA regulations. We intend to comply fully with all regulations at all times and we are committed to operating within the guidelines of the FCA.

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Basis of Guarantee

The guarantee from Adavo is based on the business model, property assets and our integrity. The FCA state that a guarantee is only as good as the person or firm that offers it. Our guarantee is firstly secured by the business model. Two important points underpin our guarantee; what we can do with the money and where that money is held. Firstly, the asset is held by the Joint Venture partner. The property is purchased in accordance with the joint venture agreement which prevents your capital from being used for any other purpose other than buying a property and its related fees (RICS survey, legal searches etc). Secondly Adavo holds no money on account and only invoices fees set out in the joint venture agreement. These two points ensure that all invested capital is either in your bank or in a property. Once a property is purchased a legal charge is arranged to secure the advance in full. This means that your money is secured at all times.

The model is a simple buy, renovate and sell strategy. We do not hold on to the properties long and generally sell each property within 3-4 months. This negates any movement in the general property market. Should the value of the asset fall below that of the invested capital, we guarantee to pay the difference from our own funds. This will come from other profits initially, but ultimately rests on our own assets. The chances of ever reaching this stage are less than 1% in reality, but we are more than happy to stand behind each joint venture agreement in full.

There is also the integrity aspect of our guarantee. If we do not do what we say then the joint venture agreement is severable at the end of the cycle. We have unlimited liability on each and every joint venture so it would be exceptional detrimental to our own personal finances if we depart from the stated terms and conditions. We do what we say and you have the security of total transparency at all times.

We wish to make it clear that, while investment via our joint ventures is particularly well protected, no guarantee is ever 100% infallible.

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Seek Independent Advice

We try to make sure that all the information we present is accurate. It is also a policy to suggest that any individual considering investing with Adavo does not commit more than 50% of their total available capital on the basis of prudence. In order that you come to a considered and suitable decision we strongly recommend seeking independent advice from competent professionals. For the legal validity of our joint venture agreement we recommend that you speak with an independent solicitor. We also recommend that you speak with an independent financial advisor regarding the suitability of our joint ventures for your circumstances and goals. We are more than happy to speak to, or meet with if you prefer, your advisors at any time.

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FSCS and the Financial Ombudsman Scheme

Our joint ventures and property investments do not qualify for the Financial Services Compensation Scheme. Under this scheme the first £50,000 of qualifying investments are guaranteed to help protect consumers. Although our joint ventures do not qualify it is highly likely that a debt free property as an asset offers more protection in a real world sense than £50,000. Even if the property market dropped dramatically the asset alone would make up an 80%-90% guarantee of each note, with Adavo’s own guarantee legally obliged to make up any difference. On a £100,000 minimum joint venture then the FSCS would offer only a 50% guarantee at best. We have structured the joint ventures so that in the event of insolvency each joint venture partner owns the asset that their capital has purchased and it cannot be affected by Adavo's finances. The fact that we are not authorised also means that consumers will not benefit from the Financial Ombudsman Scheme.

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Holding Deposits

We do not accept deposits into Adavo Property as a matter of principle. No money is advanced at any point and any capital on account is held in the joint venture partners own name. This keeps it separated for accounting purposes with the benefit that in the event of insolvency of the partnership it cannot be use to pay creditors of Adavo. We recognize that we are not authorised to accept deposits and so use this simple structure to conduct our joint venture partnerships..

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Due Diligence

We propose that potential customers conduct their own due diligence or if not sufficiently comfortable with this that they seek out an appropriate person, preferably an IFA, to perform this process for them. We are entirely transparent and are happy to submit to any checks requested by potential joint venture partners or property investors. Each partner is offered the chance to involve themselves at each stage of the process to maintain an effective check and balance over the investment. This is not an obligation but is suggested as best practice/good order.

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