Risks

7% per annum     No Fees     Tax Free Returns

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Exposure to external events

The trading and assets of Choices or its borrowers could be affected by unforeseen events outside its control, including economic, social and political events and trends. These include changes in economic, political, administrative, taxation or other legal or regulatory regimes, terrorist or other attacks, inflation, deflation or other currency exchange fluctuations.

Diversification

Diversification means spreading your investments across different asset classes and sectors. You should consider spreading your investment risk and seek independent advice when you are not sure if an investment is suitable. You are not able to invest more than 10% of your net assets through Choices ISA in our bond unless you are a high net worth investor, a certified sophisticated investor or a self-certified sophisticated investor.

Non Ready Realisable Investment

Investors should be aware that the bonds you will invest in are non-readily realisable investments. Investment through the Choies ISA should be viewed as a long term investment.

Predicted performance

Predicted performance of financing is not necessarily a guide to future performance. Past events, experience derived from these, or assumptions derived from any of these, do not predetermine the future.

Impact of Fees

Full details of the fees payable by investors to Northern Provident Investments Limited are set out in the Choices ISA Terms and Conditions. In the event that fees are payable these will reduce the net return on your investment. Investors of smaller sums in the Choices ISA should be particularly aware of any fees and should carefully consider the impact these could have on the proposed investment.

No FSCS Protection

Whilst the Choices ISA is managed by Northern Provident Investments Limited, an ISA plan manager Authorised and regulated by the Financial Conduct Authority (‘FCA’), the bonds that you will invest in are issued by Choices, which does not carry on regulated activities for which authorisation is required and so it is not authorised by the FCA. Therefore, any losses incurred by the failure of the bonds would not be protected by the Financial Services Compensation Scheme (‘FSCS’). If Choices ceases to exist or goes into liquidation you would not be able to put in a complaint through the FSCS.

Inflation Risk

You should be aware that if the return on the bond fails to pay a return that beats inflation the real value of your savings could fall. This means that the purchasing power of your money would be reduced because its value has effectively been eroded by inflation.

Financing Business Growth

*Please be aware when investing that your capital is at risk and the value of your investment can go down as well as up. You may get back less than you invested.

When referring to “Choices”, we are referencing the bond issuer who is Choices Seven A Limited. Registered in England and Wales, company number is 11201770 and registered office address is Nexus House, 4 Brindley Road, Old Trafford, Manchester, M16 9HQ.
This webpage has been issued by the Company and approved for the purposes of Section 21 of the FSMA by Northern Provident Investments Limited.

Choices Funding is a trading name of Choices Funding Group Ltd which is the parent company of Choices Funding Seven A Ltd. Registered in England and Wales, company number 11201805. Registered Office: Nexus House, 4 Brindley Road, Old Trafford, Manchester, M16 9HQ

Choices ISA is a trading name of Northern Provident Investments Limited which is Authorised and regulated by the Financial Conduct Authority (no. 647948). Registered in England and Wales (no. 08807099). Northern Provident Investments Limited is registered with the Office of the Information Commissioner no. ZA287335. Registered Office: Northern Provident Investments Limited, Barclay House, 35 Whitworth Street West, Manchester, M1 5NG | Tel: 0800 0884676 | Email: info@choicesisa.co.uk