Disclaimers

1. Regulatory Status

1.1 Quoin House Is Not

• A Licensed Investment Firm: We are not authorized by CySEC, FCA, or any securities regulator to provide investment advice, manage portfolios, or execute transactions
• A Regulated Fund Manager: We do not manage investment funds, accept client assets, or operate collective investment schemes
• A Licensed Real Estate Broker: We do not execute property transactions or hold real estate licenses
• A Fiduciary Advisor: We do not act in a fiduciary capacity under securities or investment advisory regulations
• A Financial Planner: We do not provide comprehensive financial planning, tax advice, or legal counsel

1.2 Quoin House Is

• Independent Research Office: We provide independent analysis of property and capital opportunities
• Strategic Advisory Service: We offer non-regulated strategic counsel on a retainer basis
• Network Facilitator: We connect members with licensed professionals — brokers, fund managers, architects

2. Property Disclaimers

2.1 Research Limitations

Our property research is based on information available at time of analysis, publicly available data and network intelligence, comparable sales analysis, and our professional judgment — none of which is infallible.

2.2 What We Do Not Verify

• Legal Title: Always engage a lawyer to verify ownership and title status
• Structural Integrity: Always commission independent structural surveys and engineering reports
• Planning Permissions: Verify zoning, permits, and development rights with local authorities
• Environmental Issues: Conduct environmental assessments for contamination, flooding, etc.
• Utility Infrastructure: Confirm water, electricity, sewerage, and telecommunications availability

2.3 Market Conditions

Property markets are subject to economic cycles and interest rate changes, political instability and regulatory changes, supply and demand fluctuations, currency risk for non-EUR investors, and natural disasters and climate events.

Property values can decline. Rental yields may be lower than projected. Properties may take longer to sell than anticipated.

3. Capital Disclaimers

3.1 Not Investment Recommendations

Our capital research and introductions are not personalised investment advice tailored to your specific financial situation, are not recommendations to buy or sell specific securities, do not constitute offers to invest or solicitations to purchase, and represent independent research — not regulatory-compliant investment advice.

3.2 Third-Party Fund Managers

All capital opportunities are facilitated through regulated third parties. We do not manage funds or accept client assets, execute transactions or provide custodial services, guarantee the performance or regulatory compliance of third parties, or control or supervise third-party operations.

You contract directly with fund managers, not through Quoin House. We are not responsible for their actions, errors, or failures.

3.3 Performance Disclaimers

• Indicative Returns: Target returns mentioned in briefings are manager-reported projections, not guarantees
• Past Performance: Historical returns do not predict future results
• Risk of Loss: You may lose part or all of your invested capital
• Liquidity Risk: Private investments may be illiquid; you may not be able to exit when desired
• Manager Risk: Fund managers may underperform, make errors, or commit fraud

3.4 Investor Qualification

Many capital opportunities require qualification as a Professional Investor under MiFID II (€500K+ portfolio or institutional), a High Net Worth Individual (€1M+ investable assets), or a Sophisticated Investor with demonstrated knowledge and experience.

It is your responsibility to confirm you meet qualification requirements before investing.

4. Referral Relationships & Conflicts of Interest

4.1 Referral Fees

Quoin House may receive referral fees from licensed real estate brokers, regulated fund managers, and professional service providers including architects, lawyers, and others. We disclose all referral arrangements transparently before introductions. Referral fees do not increase the cost to you — they are paid by the partner from their standard fees.

4.2 Independence

Despite referral relationships, our research and recommendations remain independent. We are paid primarily through member retainers, not commissions. We have no obligation to recommend any specific partner and we decline partnerships that compromise our judgment.

5. Information Accuracy

5.1 No Guarantee of Accuracy

While we strive for accuracy, we do not guarantee completeness or accuracy of third-party data, availability of opportunities mentioned in briefings, currency of information as market conditions change rapidly, or freedom from errors or omissions.

5.2 Information Sources

Our research relies on public property listings and registries, fund manager-provided performance data, market reports from third parties, and network intelligence from professionals. We cannot verify all information independently. Always conduct your own due diligence.

6. Forward-Looking Statements

Our briefings may contain forward-looking statements about property market trends and pricing projections, investment return expectations, economic conditions and policy changes, and development timelines and completion dates.

7. Website & Technology

Our website and digital services are provided "as is" without warranties of any kind, including uninterrupted access, error-free operation, or freedom from viruses or harmful components. Our website may link to external sites. We are not responsible for their content, privacy practices, or accuracy. Links do not imply endorsement.

8. Geographic & Jurisdictional Limitations

Our primary expertise is Cyprus and the Eastern Mediterranean. For properties or opportunities outside this region, our knowledge may be limited, local regulatory requirements may differ, and currency and tax implications vary by jurisdiction.

Our services may not be suitable or legally available in all jurisdictions. Residents of certain countries should verify legal compliance before engaging.

9. Tax & Legal

9.1 Tax Advice Disclaimer

We are not tax advisors. We do not advise on personal or corporate tax obligations, tax optimisation strategies, VAT, property transfer taxes, or capital gains taxes, or cross-border tax implications. Always consult a licensed tax advisor before making investment decisions.

9.2 Legal Advice Disclaimer

We are not lawyers. We do not advise on contract terms or legal documents, property title or ownership structures, regulatory compliance, or estate planning or succession. Always engage a licensed lawyer for legal matters.

10. Limitation of Liability

To the maximum extent permitted by Cyprus law, Quoin House is not liable for investment losses or property transaction failures, we are not responsible for third-party actions, errors, or omissions, we are not liable for indirect, consequential, or punitive damages, and our total liability is limited to fees paid in the 12 months preceding a claim.

Exception: Nothing limits liability for fraud, gross negligence, death, or personal injury.

11. Professional Advice Required

12. Changes to These Disclaimers

We may update these disclaimers by posting revised disclaimers on this page, updating the footer disclaimer on our website, and notifying members of material changes via email. Continued use of services after changes constitutes acceptance.

13. Questions

For questions about these disclaimers, contact us at legal@quoinhouse.com or for general inquiries at hello@quoinhouse.com.