Off Market UK Property Opportunities for Qualified Investors

Effective Date: 31/05/25

1. Introduction

On The Curb Real Estate Ltd ("OTC," "we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy outlines our procedures for collecting, using, disclosing, and securing your information when you interact with our website, our Platform Support Team, our off-market platform, and associated services, in strict accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Personal Data We Collect

• Identity Data: Name, username, or equivalent identifiers necessary for platform access.
• Contact Data: Email address, telephone numbers, and billing/mailing address.
• Financial Data: Proof of funds, Agreement in Principle (AIP) documentation, and payment-related information (only where directly relevant to deal progression).
• Technical Data: IP address, browser type, device data, and usage behaviour within our systems.
• Usage Data: Information concerning how you navigate our website, off-market platform, and communications.
• Marketing & Communications Data: Your preferences regarding updates, new opportunities, and communications from us.

3. How We Collect Your Data

• Direct Interactions: Data provided through the completion of our Investor Access forms, seller intake forms, direct correspondence, or during due diligence and viewing coordination.
• Automated Technologies: Via cookies and equivalent tracking technologies integrated into our website to ensure functionality and improve user experience.
• Third Parties/Public Sources: Information acquired through analytics providers, verified compliance databases, and professional partners.

4. Our Use of Your Personal Data

• To facilitate introductions between investors and regulated transaction partners. To manage platform access and ensure the secure delivery of property marketing data.
• To coordinate with our Platform Support Team for due diligence, formal offer presentation, and solicitor-led completions.
• To provide requested educational materials and actionable property insights.
• To comply strictly with UK data protection and professional regulatory obligations.
• For legitimate business interests, provided such interests do not override your fundamental rights and freedoms.

5. Legal Basis for Processing

• Consent: Where explicit permission has been granted (e.g., specific marketing communications).
• Contract: Where processing is necessary to perform a marketing and introduction or assignment contract with you.
• Legal Obligation: To maintain compliance with UK laws, including ICO directives and professional standards.
• Legitimate Interest: For secure business operations, platform administration, and relevant investor communications.

6. Disclosure of Your Personal Data

• Service providers operating under strict data processing agreements on our behalf (e.g., secure CRM systems, email platforms).
• Appointed legal professionals, solicitors, and professional advisors required to facilitate transaction completion.
• Regulatory bodies and law enforcement agencies, where legally mandated.
• Relevant third parties in the event of a structural business transfer or corporate reorganisation.

7. International Transfers

Certain data may be processed by service providers based outside the UK. In such instances, we ensure a similar degree of protection is afforded by implementing safeguards compliant with UK GDPR, such as the UK International Data Transfer Agreement (IDTA) or equivalent Standard Contractual Clauses.

8. Data Security

We implement robust technical and organisational security measures designed to protect your personal data against unauthorised access, alteration, disclosure, or accidental loss. Access to your data is strictly limited to employees, agents, and verified third parties who require it for operational progression.

9. Data Retention

We retain your personal data exclusively for the duration necessary to fulfil the purposes for which it was collected. This includes satisfying any legal, accounting, or regulatory reporting requirements inherent to property transactions and compliance.

10. Your Data Protection Rights

Under UK data protection law, you possess the right to:

• Request access to your personal data (a "data subject access request").
• Request correction of incomplete or inaccurate data we hold about you.
• Request erasure of your personal data where there is no overriding legal reason for its continued processing.
• Object to processing based on legitimate interests or for direct marketing.
• Request the restriction of processing of your personal data.
• Request the transfer of your data to a third party (data portability).
• Withdraw consent at any time, where reliance is placed on consent to process your data.

To exercise these rights, please contact our administrative team at admin@onthecurbrealestate.co.uk.

11. Cookies and Tracking Technologies

Our digital infrastructure utilises cookies to distinguish you from other users, allowing us to enhance site functionality and analyse performance. You retain full control over your cookie preferences via your browser settings.

12. Educational Materials & Lead Magnet Data

Any downloadable materials or analytical data provided are strictly for educational and informational review. They do not constitute financial, investment, or legal advice. Data collected during the acquisition of these materials is securely stored and utilised to facilitate relevant onboarding and ongoing opportunity alerts.

13. External Hosting and Third-Party Links

Certain operational documents may be hosted via secure external enterprise platforms. Navigating to these platforms may subject you to third-party privacy protocols. We hold no liability for the privacy practices of external domains or services linked from our platform.

14. No Financial Advice

On The Curb Real Estate Ltd operates exclusively as a property marketing and introduction platform and does not provide regulated financial advice. All financial projections and market analytics are for contextual reference only. Investors are strongly advised to consult independent legal and financial professionals prior to capital commitment.

15. Not a Property Management Company

Our operations do not encompass property management, tenant placement, rent collection, or structural maintenance. Our remit is strictly confined to the marketing, packaging, and presentation of property investment opportunities.

16. Referral Programme

Participation in our referral framework necessitates the collection of basic identifying data for tracking and reward allocation. This data is leveraged solely for referral verification and prevents misuse. It is your strict responsibility to obtain prior consent from any referred party before submitting their details to our systems.

17. Complaints

Should you have any concerns regarding our data handling procedures, we request you contact us initially at admin@onthecurbrealestate.co.uk. Please provide your name, contact details, and a comprehensive description of the matter.

We operate a strict internal protocol: acknowledging complaints within 5 working days and issuing a formal resolution within 28 days.

If our resolution is deemed unsatisfactory, you retain the right to escalate the matter to the Information Commissioner’s Office (ICO):

• Website: www.ico.org.uk
• Telephone: 0303 123 1113
• Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

18. Changes to this Privacy Policy

We maintain the right to amend this policy to reflect operational or regulatory adjustments. Updated iterations will be published on this platform, with significant structural changes communicated directly where applicable.

19. Contact Information

• Business Name: On The Curb Real Estate Ltd
• Email: admin@onthecurbrealestate.co.uk
• Registered Location: London, United Kingdom
• Company Number: 16392328

Regulatory Compliance

• ICO Registration Number: ZB895054
• Property Redress Scheme (PRS) Number: PRS051813

Effective Date: 15/04/2025

1. Introduction

Welcome to On The Curb Real Estate Ltd (“OTC”, “we”, “us”, or “our”). These Terms and Conditions constitute a legally binding agreement governing your access to our website, off-market platform, and property marketing and introduction services. By engaging with our systems or submitting an Investor Access form, you formally agree to be bound by these terms.

2. Service Description

On The Curb Real Estate Ltd operates as a professional Property Marketing and Introduction Platform. We provide qualified investors with access to property opportunities marketed by our regulated partners. We do not provide property sourcing services as defined under the Money Laundering Regulations. Our function is strictly to act as an introducer and provide platform access for the review of property data.

3. No Financial Advice

We operate exclusively within a property marketing and introduction framework and do not dispense financial, legal, tax, or investment advice. All financial projections, yield calculations, and property data presented within our Deal Packs or on our platform are for structural reference and contextual analysis only. Investors must execute their own comprehensive due diligence and secure independent professional counsel prior to any capital commitment.

4. Use of Website

You agree to utilise our digital infrastructure, including the off-market platform, strictly for lawful commercial purposes. Any engagement that compromises the structural integrity of our systems, infringes upon intellectual property rights, or disrupts the operational access of other registered investors is strictly prohibited.

5. Fees and Payment

Fees are charged for Platform Access and Introduction. These fees cover the cost of the introduction to the opportunity and the use of OTC's digital infrastructure. Fees are not for the provision of estate agency services.

6. Non-Circumvention

Confidentiality and professional conduct are fundamental to our operations. By receiving access to proprietary property information, addresses, or vendor details from our Platform Support Team, you agree unconditionally not to bypass, or attempt to bypass, On The Curb Real Estate Ltd to negotiate or deal directly with the vendor, managing agent, or introduced third party. In the event of confirmed circumvention, we reserve the unreserved right to pursue immediate legal damages equating to the full, maximum projected platform introduction fee.

7. Intellectual Property

All structural content hosted on our platform—including but not limited to Deal Packs, financial modelling, architectural imagery, text, logos, and proprietary progression frameworks—remains the exclusive intellectual property of On The Curb Real Estate Ltd. Unauthorised reproduction, distribution, or external utilisation without express written consent is prohibited.

8. Limitation of Liability

To the maximum extent permitted by UK law, On The Curb Real Estate Ltd holds no liability for any direct, indirect, or consequential loss or damage arising from your reliance on our provided property data or engagement with our marketing and introduction services. All property investments carry inherent market risks, and capital returns are never guaranteed.

9. Third-Party Links

Our systems may integrate with or link to external third-party platforms for operational efficiency (e.g., secure document hosting). We assume no liability for the operational accuracy, content, or privacy frameworks of these external entities.

10. Regulatory Information

• ICO Registration Number: ZB895054
• Property Redress Scheme (PRS) Membership Number: PRS051813
• Company Number: 16392328 (Registered in England and Wales)

11. Governing Law

These Terms and Conditions are governed by and construed in strict accordance with the laws of England and Wales. Any disputes or claims arising in connection with our services or these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We reserve the unilateral right to update, refine, or modify these Terms and Conditions to align with shifting regulatory frameworks or operational standards. Revisions take immediate effect upon publication on our platform, indicated by a modified effective date.

13. Contact Us

For formal operational queries regarding these Terms and Conditions, please contact our administrative desk at: admin@onthecurbrealestate.co.uk

14. Complaints Procedure

We enforce a standard of disciplined execution and professional clarity. If our operational delivery fails to meet these standards, we require formal notification to initiate our resolution protocol.

How to Complain:

Submit your formal complaint in writing to: admin@onthecurbrealestate.co.uk

Please ensure your submission includes:

• Your full name and professional contact details
• A precise, chronologically detailed description of the operational issue
• The specific outcome or structural resolution you are seeking

Our Process:

• We will formally acknowledge receipt of your complaint within 3 working days.
• Your submission will undergo direct review by Dawud Saleem (Director).
• A comprehensive written response, detailing our findings and proposed resolution, will be provided within 15 working days.
• Should the investigation require extended operational review, you will be updated continuously.

Escalating to the Property Redress Scheme:

If our final operational response does not meet your required resolution, or if 8 weeks have elapsed since the initial formal submission, you possess the right to escalate the matter to our authorised redress scheme:

The Property Redress Scheme (PRS)

• Website: www.theprs.co.uk
• Email: complaints@theprs.co.uk
• Phone: 0333 321 9418
• Post: Property Redress Scheme, Premiere House, Elstree Way, Borehamwood, WD6 1JH

Record Keeping:

In strict adherence to regulatory compliance, a written record of all formal complaints and corresponding resolutions is securely retained for a minimum operational period of 6 years.