Your personal decision to invest

A decision to invest is a personal decision by you and no responsibility for the consequences of that decision is accepted by Berkeley Rutherford Limited ("Berkeley Rutherford") or ShareIn Limited ("ShareIn") or by any of their directors, agents, employees or other members. To invest through Berkeley Rutherford you need to understand the following important risks:

Losing all of your investment

Investments such as those available on the Berkeley Rutherford platform carry high risks as well as the possibility of high rewards. Accordingly, each investor should consider very carefully whether such investments are suitable in the light of personal circumstances and commitments and the financial resources available to each Investor. Berkeley Rutherford does not promise any return on investment nor that the value of any investment will be maintained. Engaging in any investment activity may expose you to a significant risk of losing all of your investment and these investments are much riskier than a savings account. ISA eligibility (if available) does not guarantee returns or protect you from losses. 

If an investment that you participate in fails, neither Berkeley Rutherford nor ShareIn will pay back your investment.

Your investments are not covered by the Financial Services Compensation Scheme

When your capital is invested it is not covered by the Financial Services Compensation Scheme (FSCS). Before it is invested or once the proceeds of investments are returned, your money will be held by the money recipient in a client account and subject to separate protections applicable to credit institutions and banks.

No established market – lack of liquidity

As an investor you should be aware that no established market exists for the trading of the investments offered on the Berkeley Rutherford platform. It must be appreciated that there could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at any price.

The need for diversification

Diversification by spreading your money across different types of investments should reduce your overall risk of financial loss. We highly recommend investors do this to maintain a balanced portfolio. Investors should also consider avoiding putting their money in the same investment as immediate family members. Investors should only invest a proportion of their available investment funds due to the high risks involved.


Where security is in place or assets held in support of the investment, there is a risk that if the underlying borrower defaults, or if there is a delay in realising the asset, then the asset may not be sold for enough to cover the loan or may result in delayed repayment of investors’ money. Additionally, where the security is not a first charge, in the event of a sale of the asset, funds will be available to be paid to investors only after payment to the chargeholders who rank ahead of investors.