What happens to my investment if UOWN goes out of business?

We're not planning on going anywhere, but it's a fair question! Your investments are protected even if UOWN as a platform ceased to exist:

Your investments are safe: Each project investment is held in a separate SPV (special purpose vehicle) that owns the property. These SPVs are independent legal entities, separate from UOWN Ltd. If UOWN went bust, your shares in these SPVs would continue to exist. The properties would still be there, the developments would continue, and you'd still own your shares.

Transfer of management: In an insolvency scenario, an administrator would likely be appointed to manage UOWN's affairs. They would either transfer the management of the SPVs to another crowdfunding platform or property management company, or set up an independent arrangement to complete the projects and distribute returns to investors. Your ownership rights would be preserved throughout.

Communication continuity: The administrator would be legally required to communicate with investors and protect their interests. You'd receive information about the transition and how to access your investments going forward.

Direct investment protection: With our direct investment model through Yapily, your funds go straight into the project SPV's bank account when you invest. Funds are held within the SPV until drawn down for the development. If UOWN failed, your existing investments in SPVs would be protected as they're separate legal entities.

Historical precedent: In the UK, when crowdfunding platforms have failed, investor assets have typically been successfully transferred to new managers without loss of capital. The FCA has guidelines for orderly wind-down of investment platforms.

The key point: your investment is in the property project, not in UOWN itself. UOWN is just the facilitator. Your actual asset (shares in the property-owning company) exists independently of our platform.