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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

Risk Warning

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

Read our full Risk Warning

Risk Information

Estimated reading time: 2 min

The Financial Conduct Authority (FCA), which regulates financial services and markets in the UK, considers projects on the Collective to be high-risk investments due to potential for investment losses.

What are the key risks?

  1. You could lose all the money you invest
    • If the project you invest in fails, you’re likely to lose 100% of the money you’ve invested.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the project you invest in does not generate profits, you could earn less money than expected. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
    • While the Collective carries out due diligence on projects, we can’t guarantee the project will pay dividends and repay your investment. You should always do your own research before investing.
  2. You won’t be able to access your money for a set length of time
    • You can’t sell your investment or get your money back before the end of the investment term.
    • Dividends aren’t guaranteed and might not be paid regularly.
  3. You shouldn’t put all your eggs in one basket
    • Putting all your money into a single company or type of investment is risky. You should consider spreading your money across different investments so that you’re less dependent on one doing well.
    • A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
  4. You are unlikely to be protected if something goes wrong
    • You won’t be protected by the Financial Services Compensation Scheme (FSCS) if a project you invest in fails or performs worse than expected. See the FSCS investment protection checker for more info.
    • You also won’t be protected by the Financial Ombudsman Service (FOS) if a project you invest in fails or performs worse than expected. However, if you have a complaint about the Collective, FOS may be able to consider it. Learn more about FOS protection.

Resources to learn more

  • The Collective’s full risk warning
  • Five questions to ask yourself before you invest
  • The FCA’s summary of investment-based crowdfunding
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The Collective website terms and conditions

We, Octopus Energy Collective Limited, (“OECL”, “we” or “us “), would ask that you take the time to read these Terms and Conditions carefully. They explain a number of things including, for example, the rules covering your use of this Website as well as other information regarding your rights. By using www.octopusenergycollective.com (the “Website”), you’ll be confirming that you have read and understood and agree to these Terms and Conditions, the Privacy Policy and the Cookie Policy. These Terms and Conditions may change from time to time and, if they do, the up-to-date version will be available on this Website. We will indicate at the top of these Terms and Conditions when they were last updated. Please ensure that you check these Terms and Conditions regularly to view any changes which may have been made, because by continuing to use the Website after these Terms and Conditions have changed, you will be confirming that you have read and understood, and agreed to be bound by, any revised Terms and Conditions. If you fail to comply with any of these terms and conditions at any time, then (without prejudice to any other rights we may have) we may immediately terminate your use of the Website.

About us

This is the site of OECL, which is authorised and regulated by the Financial Conduct Authority under registration number 997572. OECL is a wholly owned subsidiary of Octopus Energy Group Limited.

Your information and privacy

For a more detailed explanation of how we will collect, use and store information relating to you, and our commitment to protecting your privacy or how we use cookies, please see our:
  • Privacy notice; and
  • Cookie policy

Disclaimers - Please read sections below carefully

We do not exclude or limit in any way our duty or liability to you where it would be unlawful to do so, including (but not limited to) any such duty or liability under the Financial Services and Markets Act 2000. Subject to this, the disclaimers set out below apply.

1 - Investor Disclaimers

Investment whether in new or existing businesses carries high risks as well as the possibility of rewards. It is consequently very speculative and you should be aware that no established market exists for the trading of shares in private companies, and such shares are not easily realisable. It must be appreciated that there could be difficulty in selling such investments. Accordingly you should consider very carefully whether such investments are suitable in the light of your circumstances and commitments and the financial resources available to you. Engaging in any investment activity may expose you to a significant risk of losing all of your investment. Any business plans and financial projections posted on this Website for "investors" are posted only for the personal use by registered investors. It does not purport to contain all the information that a prospective investor may require. All such information is confidential and by gaining access to such information you agree to keep it confidential at all times. Each investor who uses this site acknowledges that a decision to invest in a company is a personal decision and that no responsibility for the consequences of that decision is accepted by OECL or by any of its directors, employees, consultants or other members. These conditions, the Investor Terms and Conditions, the Privacy Policy, Cookie Policy and the Risks page should each be read carefully and if an investor is in any doubt then they should take their own professional advice.

2 - Accessing our Website

The Website is made available to you free of charge. We cannot guarantee to you that our Website will always be available or that access will be uninterrupted or error-free. We allow access to the Website on a temporary basis, and we may suspend, withdraw, discontinue or change all or any part of the Website without notice. In particular, our Website may be unavailable occasionally for maintenance, updating or otherwise. Where this happens we apologise for any inconvenience caused. However, we shall not be liable to you for any loss, damages or inconvenience resulting from such unavailability. We take great care in seeking to present accurate, transparent and useful information to you as a user. However, we should let you know that information on this Website may be out of date, incomplete, contain some errors or be in some way unreliable and we make no representations, warranties or guarantees, whether expressed or implied, that the content on our Website is accurate, complete or up to date. You should also note that the content on our Website is provided for general information only. Nothing on the Website is intended to constitute investment, legal, tax or other advice, nor should anything on the Website be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment advice or service. You should not rely upon any information on the Website in making any investment or other decision and should obtain relevant and specific professional advice before making any such decision. You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them. Our Website is directed at users based in the UK. We do not represent that content available on or through our Website is appropriate for use in other locations. If you have trouble using our Website with certain web browsers or other software or if you want to let us know how we can improve accessibility, please let us know by getting in touch. We appreciate your feedback as your suggestions can help us to improve our service.

3 - Viruses

We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access the Website. You should use your own virus protection software. You must not misuse the Website or knowingly introduce viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 or, if you are not accessing the Website from within the UK, the comparable legislation in the relevant jurisdictions. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them to the extent permitted by law. In the event of such a breach, your right to use the Website will cease immediately.

4 - Liability

We do not exclude or limit in any way our duty or liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with the use of, or inability to use, our Website (including linking to other sites from our Website); or use of or reliance on any content displayed on our Website. In particular, we will not be liable for:
  • loss of profits, sales, business or revenue;
  • business interruption;
  • any loss or damage resulting from any computer virus
  • any loss or corruption of any data
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

5 - Third party links on our Website

The Website may provide, amongst other things, convenient links to other Octopus Energy websites. Our Website may also contain links to other third party websites, resources, advertisements or sponsorships. If you choose to access any of these links, you will be leaving www.octopusenergycollective.com. We have not reviewed and do not review other websites. Since we don’t have any control over these websites, we are not responsible for the content, advertising, products or services available from them, or for any dealings or disputes that you may have in relation to those websites. The presence of links to third party websites is not to be construed as a recommendation by us of those websites nor of any advice or information which may be available on them. OECL is not liable for any loss or damage which may be suffered as a result of the use of such links and third party websites. We would encourage you to review the terms and conditions and privacy policy on any new website you may choose to access because our terms and conditions and privacy policy will not be applicable to them. We reserve the right to remove a link at any time without notice.

Intellectual Property Rights

All text, graphics, audio, video or image files, content, software, applications and information displayed on or available from this Website, and all copyright, trade mark rights, design rights and other intellectual property rights in them (together, the "Proprietary Content") are the property of OECL and/or ShareIn Limited. This includes, without limitation, the organisation and lay-out of the Website and the underlying software. By using the Website you’re agreeing that Proprietary Content is available for personal use only and that you will not copy, modify, reproduce, publish, distribute or dispose of in any way any Proprietary Content other than:
  • Printing in hard copy form portions of the content of this site for personal use;
  • Downloading any page from this site for personal use only.
These consents do not permit you to modify any of the Website’s content or to use it in any commercial material without our prior written consent. Neither the OECL name nor any other Octopus company name, trademark, logo or design may be used or copied in any manner. Proprietary Content is protected by copyright laws and treaties around the world. All such rights are reserved. Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged. You must not use any part of the Proprietary Content for commercial purposes without obtaining a licence to do so from us or our licensors.

Linking to our Website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our Website in any website that is not owned by you. Our Website must not be framed on any other website, nor may you create a link to any part of our Website other than the homepage. We reserve the right to withdraw linking permission without notice.

Severability and No Waiver

If any of these Terms and Conditions are held to be invalid, the remaining Terms and Conditions shall continue to be valid to the fullest extent permitted by law. No delay or failure by us in enforcing any of these Terms and Conditions is to be treated as a waiver or as having created a precedent or in any way as having prejudiced our rights under these terms and conditions.

Law and jurisdiction

Please note that these Terms and Conditions, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

Finally — talk to us for anything else

If you have any queries or comments regarding the Website or these Terms and Conditions, just get in touch. You can write to us at [email protected]. If you have any complaints, you can write to us at [email protected]

Investing on the Collective platform involves risks to your capital. Our investments are illiquid, which means they can’t be easily bought or sold as there is no market available. It’s important that you’re comfortable holding your investment for the full term. If you’re unsure you should speak with a financial advisor or qualified professional for advice. For more in-depth information, head over to our risks page. You'll also find specific risks for each investment outlined in their respective offer documents.

Octopus Energy Collective Limited registered office: UK House, 5th Floor, 164-182 Oxford Street, London, United Kingdom, W1D 1NN. Registered in England and Wales No. 14036581. Authorised and regulated by the Financial Conduct Authority (FRN 997572).

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