How is my investment protected?

Your investments are protected through multiple safeguards:

Direct investment model: You invest directly into project SPVs via Yapily's secure open banking platform. Your funds are held in the SPV's own bank account until they're drawn down for the development - UOWN does not hold investor funds.

Ring-fenced SPVs: Your investment goes into a Special Purpose Vehicle (SPV) that owns the specific property. Each project has its own SPV, completely separate from UOWN's operations.

Legal protection: The SPV structure provides limited liability – you can only lose what you invested, nothing more. Creditors cannot come after your personal assets.

Not FSCS protected: Important to note – investments are not covered by the Financial Services Compensation Scheme. This is standard for property investment platforms.

If UOWN failed: Your investments would continue to exist in their SPVs. An administrator would transfer management to ensure projects complete and you receive returns directly to your bank account.