Terms and Conditions

A. TERMS OF BUSINESS

1. Terms

1.1 The following terms of business (the "Terms") form the basis of the agreement between Black Sigma Ltd trading as Colour Investments, stuff generic viagra a company incorporated in England under the Companies Acts (Company Number 6332390) and having its trading office at 75 Leigh Road, pharm help Leigh-on-sea, shop Essex SS9 1JN. ("Colour Investments") and You (the "Agreement").

1.2 Colour Investments act as an intermediary and agent for property sellers and may provide You with the opportunity to hold, reserve and agree to purchase properties listed on www.ColourInvestments.com (the "Website") from the seller.

1.3 Colour Investments may also, but do not have to, provide additional advice and assistance to You after You have agreed with the seller to purchase a property.

B. REGISTERING AND OPENING AN ACCOUNT ON THE WEBSITE

2. Registering

To register to use the client area of the Website You must agree to be bound by these Terms by clicking the accept button at the end of the registration form.

3. Opening and Accessing Your Account

3.1 Once You have accepted these Terms Colour Investments will open an account for You and e-mail Your password required for logging-in to Your account in the client area of the Website.

3.2 This Agreement will commence on the date that the e-mail containing Your password was sent by Colour Investments.

3.3 Your account and password are personal to You and should not be disclosed to anyone. You are responsible for all holdings, reservations, actions and activities that take place on Your account and/or using Your password. If You think that someone may know Your password or have used Your account or password without Your permission, You must contact Colour Investments immediately.

3.4 Access to the client area of the Website is currently free. Colour Investments may, at any time, restrict access to the Website (including the client area), charge for access to the Website (including the client area), or withdraw, in whole or part, the Website.

C. INFORMATION CONTAINED ON THE WEBSITE

4. Information contained on the Website

4.1 The Website may contain information about properties available for purchase from a third party, the value of the properties and the level of investment required to purchase the properties (the "Property Information"), and the potential return that could be made by purchasing the properties (the "Financial Information").

4.2 The Property Information is based on information from third parties such as sellers and their agents, surveyors and the like. The Financial Information is based on Colour Investments's research and analysis of the market place. As the Property Information is reliant on third party information and often time critical, and the Financial Information speculative in nature, and again often time critical, Colour Investments do not guarantee the accuracy, reliability or completeness or otherwise of the Property Information or Financial Information.

4.3 For the avoidance of any doubt Colour Investments is not a regulated or licensed investment or financial advisor. All Information provided by Colour Investments is intended as general information regarding property matters and should never be treated as giving advice or making a recommendation.

4.4 If You are going to rely on any of the Property Information or Financial Information, especially if relying on it could change Your financial or legal position, Colour Investments strongly advise You exercise the same care and caution as You would normally use when making a substantial financial investment. In particular You should verify the Information and carry out an independent legal and financial assessment of any proposed investment, before committing to it. PLEASE REMEMBER THAT THE PRICE AND VALUE OF ANY PROPERTY CAN GO DOWN AS WELL AS UP. THIS CAN MEAN THAT YOU MAY GET BACK LESS THAN THE AMOUNT YOU ORIGINALLY INVESTED.

5. Third Parties on the Website

5.1 The Website may contain recommendations about the services offered by solicitors, mortgage brokers, furniture suppliers, accountants, estate agents or other third parties ("Third Parties").

5.2 Colour Investments do not guarantee the competence and reliability of the Third Parties.

5.3 If You are going to instruct any of these Third Parties, or rely on any advice or information provided by them, especially if relying on it could change Your financial or legal position, Colour Investments strongly advise You exercise the same care and caution as You would normally use when consulting such a Third Party.

D. USING THE SERVICES OFFERED BY COLOUR Investments

6. Properties listed on the Website

6.1 Colour Investments may through the Website, by e-mail, postal mail, telephone, or any other means provide You with Property Information and/or Financial Information about properties that are or may in the future be available for purchase (the "Property") as agent for certain third parties.

6.2 Colour Investments are relying on plans, designs, specifications, particulars, pictures and/or artists' impressions of the Property provided by third parties, and these are only intended as a general guide. In particular, the seller of the Property (the "Seller") may, at any time and without prior notice, alter any plans, designs, specifications, particulars, pictures and/or artists' impressions for the Property.

6.3 Where the Property has either still to be built or is in the process of being built the Seller may make alterations to the plans, designs, specifications, particulars, pictures and/or artists' impressions. The plans, designs, specifications, particulars, pictures and/or artists impressions (as may be revised from time to time) may be available for inspection on the site being developed or in the relevant regional office of the Seller.

6.4 Although Colour Investments will let You know about any alteration to the plans, designs, specifications, particulars, pictures and/or artists' impressions that they become aware of, it is Your responsibility to check the most up-to-date position with the Seller before committing to any Property and to continue to check what, if any, alterations have been made while the Property is being built.

6.5 You accept and agree that if You enter into an agreement to purchase a Property listed on the Website other than through Colour Investments You will still be liable to pay the Colour Investments fees (as set out on Website) in respect of that Property as we have introduced you to that property. We provide you with our chosen property investments via this website through hard work sourcing and carrying out due diligence on these properties and our fees are still payable if an attempt is made to contact and negotiate with the developer direct. In these circumstances You will pay the fees to Colour Investments within 7 days of receiving an invoice from Colour Investments otherwise legal action will be taken to recover these fees.

6.6 Clause 6.5 will not however apply if You or Colour Investments have ended this Agreement under clause 12 before the Property is listed on the Website by Colour Investments.

7. Holding and Reserving a Property

7.1 You may be able to hold a Property listed on the Website by clicking on the appropriate icon and submitting the requested information to Colour Investments through the Website. This means that provided You comply fully with terms 7.3, 7.4, 7.5, 7.6 and 7.7 no other Colour Investments client will be able to place that Property on hold.

7.2 Colour Investments will confirm to you, details of any Property that You have placed on hold and the reservation fee payable. We will then send the reservation form to You by post, email or fax.

7.3 Colour Investments must receive as agent for the Seller Your reservation fee in the form of a bacs transfer or credit card payable to the Seller (unless otherwise stated on the Website) on the same day as reservation in order to put a hold on the Property. The Colour Investments finders fee is also payable in order to hold your chosen property.

7.4 As soon as You have posted Your reservation fee please email Colour Investments at This e-mail address is being protected from spambots. You need JavaScript enabled to view it to confirm that Your reservation fee has been posted. If Colour Investments do not receive Your reservation fee or payment is rejected, Your hold placed on the Property will be removed and the Property will be re-listed for sale on the Website.

7.5 Your reservation form must be signed and returned to Colour Investments as soon as possible; in any event Colour Investments must receive Your reservation form within two business days of the Property being held through the Website. If Colour Investments do not receive Your reservation form within the required two business days, Your hold placed on the Property will be removed and the Property will be re-listed for sale.

7.6 It is Your responsibly to obtain a decision in principle from Your mortgage broker and provide copies to Colour Investments within a reasonable time and in any event within 7 business days of the Property being held through the Website. If Colour Investments do not receive the documentation within the required 7 business days, Your hold placed on the Property may be removed and the Property will be re-listed for sale on the Website. In such circumstances Colour Investments are not obliged to return Your reservation fees to You. This only applies to properties that are less than 6 months from completion and require a mortgage in place in order to complete.

7.7 Once Colour Investments have received as agent for the Seller:-

7.7.1 Colour Investments's finders fees (these are non refundable and are not dependant on any future change in the original deal sourced. Any further changes or alterations in the future by the developer or any other party will have no bearing on the finders fee paid which will still remain non-refundable. The finders fee is charged at the time the property is presented to the client and Colour Investments accept no liabilty for any future change of circumstance in relation to that property purchase, clients must ensure they carry out all neccessary due diligence before reserving a property and paying the finders fees.);

7.7.2 Your reservation fee;

7.7.3 Your signed reservation form; and

7.7.4 written confirmation from Your mortgage broker that You have a decision in principle from them or written confirmation from You that You do not require a decision in principal.

Your reservation form and deposit payment will be sent to the Seller.

7.8 Once Colour Investments have confirmed Your reservation form and cheque have been received and accepted by the Seller, the Property will be reserved (the "Reservation") (subject to the Seller's usual practice) for a reasonable period for You to be able to enter into a legally binding contract with the Seller to purchase the Property (the "Contract"), for example exchange contracts in England or conclude missives in Scotland. Usually this occures within 28 days from the initial deposit payment being received.

7.9 For the avoidance of any doubt, in the event that no Contract is entered into within a reasonable period, Your Reservation may (subject to the Seller's usual practice) be cancelled by the Seller and Your reservation fee may be retained by the Seller. Colour Investments cannot be held liable for a developer retaining a non refundable deposit in this situation.

7.10 Unless You inform Colour Investments otherwise in writing, You are responsible for instructing your solicitor to act on your behalf for your chosen property. If you would like Colour Investments to advise of a suitable solicitor this should be requested in writing at the time of reservation.

E. FEES

8. Colour Investments's Fees

8.1 Colour Investments's finders fees (the "Fees") for providing the services set out in section D in relation to each Property will be set out on the Website.

8.2 The Fees become chargeable and are required to be paid by You within 7 days of Your reservation.

8.3 Once the Fees become payable, no act or omission of You or the Seller will affect Colour Investments's entitlement to be paid the Fees on time.

8.4 Colour Investments finders fees are non refundable after exchange of contracts or after the 14 day cooling off period whichever is the sooner and are not dependant on any future change in the original deal sourced - any further changes or alterations in the future by the developer or any other party will have no bearing on the finders fee paid. The finders fee is charged at the time the property or deal is presented to the client and Colour Investments accept no liability for any future change of circumstance for any party in relation to that property purchase. This includes the clients mortgage circumstances and the developer’s individual circumstances and build schedules. Clients must ensure they are happy with any due diligence provided or carry out all necessary due diligence themselves before reserving a property and paying the fees. The finders fee IS fully refundable for the duration of a 14 day cooling off period or before exchange of contracts whichever is the sooner. However, the holding deposit passed onto the developer and processing fees (£495) are not refundable at any point after reservation.

9. Consequences of Non-Payment of Fees

Any Fees outstanding after the due date will bear interest from that date until payment is received by Colour Investments at 4% over Barclays Bank Plc base lending rate from time to time, accruing daily and compounded monthly on the first day of each month.

F. CHANGING AND ENDING THE AGREEMENT

10. Changing these Terms

10.1 Colour Investments may change these Terms from time to time on giving no less than 30 days notice. You will be notified of any change to these Terms by email and an announcement will be posted on the Website.

10.2 If You decide not to accept any change made to these Terms You must inform Colour Investments, in writing, within 3 working days of receiving the e-mail, otherwise You will be deemed to have accepted the change.

11. Ending the Agreement

11.1 Either You or Colour Investments may end the Agreement immediately on giving written notice.

11.2 For the avoidance of any doubt, if You choose to end the Agreement this will not affect any Reservation or Contract You have already entered into prior to ending the Agreement. You will still be liable to pay Colour Investments any Fees due in relation to any such Reservation or Contract, including any fees due to Colour Investments under clause 6.5.

G. GENERAL

12. Colour Investments's Liability

12.1 Colour Investments's entire liability for any loss, harm or damage suffered by You as a result of Colour Investments's breach or non-observance of the Agreement is:

12.1.1 unlimited in the event of death or personal injury; and

12.1.2 limited to the higher of (i) £500 or (ii) the amount of Fees (if any) actually paid by You in the preceding twelve months, for any other loss, harm or damage.

12.2 In addition, Colour Investments will only be responsible for direct loss, harm or damage, and so will not be responsible for any loss, harm or damage which is not reasonably foreseeable by Colour Investments and which is not a direct and immediate result of Colour Investments's breach of the Agreement.

13. Your Personal Information

13.1 Your personal information collected by Colour Investments may be used to enable Colour Investments to deal with any request You have made using the Website. Colour Investments will also use and analyse the information collected so that Colour Investments can administer, support, improve and develop Colour Investments 's business.

13.2 Colour Investments may use Your personal information to contact You for Your views on the services provided by Colour Investments and to notify You occasionally about important changes or developments to these services. Further, Colour Investments may also use Your information to let You know about other products and services which Colour Investments offer which may be of interest to You and Colour Investments may contact You by e-mail, post, telephone or fax. If You do not want to be contacted by Colour Investments, please let Colour Investments know in writing.

13.3 Colour Investments may allow carefully selected third parties to contact You about products and services which may be of interest to You. They may contact You by e-mail, post, telephone or fax. If You do not want to be contacted by these companies, please let Colour Investments know in writing.

13.4 If any of Your personal details change You should let Colour Investments know as soon as possible. You can do this by sending an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it

14. Confidentiality

You accept and agree that You will not disclose or use or cause to be disclosed or used, at any time during or after this Agreement has, any secret or confidential information of Colour Investments, their clients or customers or any other non public information relating to Colour Investments's business, financial or other affairs acquired under this Agreement. That confidential information includes any price, discount or other financial information about any Property.

15. Invalidity

If any Term of this Agreement is held by a competent authority to be invalid or unenforceable in whole or in part, the validity of the other Term of this Agreement and the remainder of the Term in question shall not be affected.

16. Entire Agreement

16.1 It is intended that this Agreement contains the entire Agreement between You and Colour Investments and supersedes any previous Terms in relation to the matters with which it deals, including Colour Investments's Website Terms and conditions.

16.2 Other than as expressly set out in this Agreement, You accept and agree that You were not induced to enter into this Agreement in reliance of any statement, warranty or representation which is not repeated in this Agreement.

16.3 If this Agreement does not set out all of the terms of Colour Investments's agreement with You, You must notify Colour Investments in writing within 5 days of any such statement being made.

16.4 If during the course of this Agreement Colour Investments have made any additional statements on which You are relying, You must notify Colour Investments in writing within 5 days of any such statement being made.

17. Notices

17.1 Any notice to be given to You under this Agreement can only be:

17.1.1 delivered to You personally at the address provided by You in Your Registration Form; or

17.1.2 e-mailed to You at the e-mail address provided by You in Your Registration Form.

17.2 Any notice to be given to Colour Investments under this Agreement can only be:

17.2.1 delivered to Colour Investments, Unit 9 Mailing Way, Basingstoke, Hants, RG24 9TH; or

17.2.2 e-mailed to Colour Investments at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

17.3 A notice is deemed to have been served if:

17.3.1 personally delivered, at the time of delivery;

17.3.2 send by e-mail, 12 hours after the e-mail was sent.

17.4 In proving service it is sufficient to prove that personal delivery was made, or that the print of the e-mail containing the notice was properly addressed.

18. Governing Law

This Agreement is governed by the laws of the UK.