Terms Of Use


By using the site, you must acknowledge the following relating to property investments:

  1. As an investor, you will be refunded your full investment when a property deal does not finalise. This could be due to the full funding amount not being met.
  2. Investing in property may take years to achieve financial benefits. Investing in property should be understood to be a long-term investment.
  3. The value of property may decrease. Kudo Property will perform due diligence on each property to help ensure it is a good investment, however, property value may still decrease.
  4. Kudo Property will help you find a buyer when you want to sell, however, any sale is subject to buyer demand.
  5. Dividends payments to investors are subject to the investment property making a profit. Kudo Property uses experience to perform due diligence on each property to help ensure it returns profit.


These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you) and Kudo Property Ltd ("Company", “we”, “us”, or “our”), concerning your access to and use of the https://www.kudoproperty.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplementary terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Use to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted. The information provided on the Site is not intended for distribution to or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.


Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content, and the Marks.


By using the Site, you represent and warrant that:

  1. All registration information you submit will be true, accurate, current, and complete;
  2. You will maintain the accuracy of such information and promptly update such registration information as necessary;
  3. You have the legal capacity and you agree to comply with these Terms of Use; You are not a minor in the jurisdiction in which you reside;
  4. You will not access the Site through automated or non-human means, whether through a bot, script, or otherwise;
  5. You will not use the Site for any illegal or unauthorised purpose; and
  6. Your use of the Site will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).


You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a user name you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.


You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to:

  1. Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  2. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
  3. Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.
  4. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
  5. Use any information obtained from the Site to harass, abuse, or harm another person.
  6. Make improper use of our support services or submit false reports of abuse or misconduct.
  7. Use the Site in a manner inconsistent with any applicable laws or regulations.
  8. Use the Site to advertise or offer to sell goods and services.
  9. Engage in unauthorized framing of or linking to the Site.
  10. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.
  11. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  12. Delete the copyright or other proprietary rights notice from any Content.
  13. Attempt to impersonate another user or person or use the username of another user.
  14. Sell or otherwise transfer your profile.
  15. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“GIFs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “PCMS”).
  16. Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
  17. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
  18. Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.
  19. Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  20. Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
  21. Except as may be the result of a standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.
  22. Use a buying agent or purchasing agent to make purchases on the Site.
  23. Make any unauthorised use of the Site, including collecting usernames and/or email addresses of users by electronic or other means to send unsolicited email, or create user accounts by automated means or under pretences.
  24. Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavour or commercial enterprise.


You and the Site agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings). By submitting suggestions or other feedback regarding the Site, you agree that we can use and share such feedback for any purpose without compensation to you. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.


You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site (`"`Submissions`"`) provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgement or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you, or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.


We reserve the right, but not the obligation, to:

  1. Monitor the Site for violations of these Terms of Use;
  2. Take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities;
  3. At our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;
  4. At our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and
  5. Otherwise, manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.


By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in the United Kingdom. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure, that differ from applicable laws in the United Kingdom, then through your continued use of the Site, you are transferring your data to the United Kingdom, and you agree to have your data transferred to and processed in the United Kingdom. For further information, please review our privacy page.


These Terms of Use shall remain in full force and effect while you use the Site. Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the site (including blocking certain IP addresses), to any person for any reason; including breaching the terms of use, without limitation for breach of any representation, warranty, or covenant contained in these terms of use or of any applicable law or Regulation. We may terminate or suspend access for users that are facilitating any risk for the site. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including, without limitation pursuing civil, criminal, and injunctive redress.


We may send notices to the email address provided to us by you. It is your responsibility to ensure that you notify us of any change to your email address. Any notice sent by us to your email address shall be deemed to have been delivered at the time of sending.


You shall have the right to withdraw, at any time, any portion of the Available Funds in your Kudo Property account. “Available Funds” refers to funds that are not blocked as collateral for open positions. Submitting a withdrawal request can be done by logging in to your account on the website. Please note, it may take up to 10 business days to process your request. We may request additional information and/or documentation to verify the legitimacy of the request. We reserve the right to reject your request upon suspicion that it is illegitimate. In addition, we are obligated to process your request in accordance with the applicable laws, which is why it is possible that we may need additional information from you, for instance, a valid identification document or bank statement. You hereby agree that under such circumstances there may be a delay in the processing of your request. You acknowledge that the withdrawal of any portion of the funds will be executed via the same transfer method and to the same remitter as the one which we originally received the funds from. We shall refund the part of the funds requested net of any transfer fees or other charges incurred by or charged to us. We are not required to verify the request or the identity of its sender. We shall not be liable for any loss resulting from a request sent by a third party which is not authorised to act on your behalf.


We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.


These conditions are governed by and interpreted following the laws of the United Kingdom, and the use of the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law of your country of residence. Kudo Property Ltd and yourself both agree to submit to the non-exclusive jurisdiction of the courts of London, which means that you may make a claim to defend your consumer protection rights in regards to these Conditions of Use in the United Kingdom, or in the EU country in which you reside.


  • Informal Negotiations

    To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms of Use (each a `"`Dispute`"` and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating the arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

  • Binding Arbitration

    Any dispute arising from the relationships between the Parties to this contract shall be determined by one arbitrator who will be chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration being part of the European Centre of Arbitration having its seat in Strasbourg, and which are in force at the time the application for arbitration is filed, and of which adoption of this clause constitutes acceptance. The seat of arbitration shall be the United Kingdom. The language of the proceedings shall be English. Applicable rules of substantive law shall be the law of the United Kingdom.

  • Restrictions

    The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law,

    1. No arbitration shall be joined with any other proceeding;
    2. There is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and
    3. There is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

  • Exceptions to Informal Negotiations and Arbitration:

    The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration:

    1. Any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party;
    2. Any Dispute related to or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and
    3. Any claim for injunctive relief if this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.


It is important to understand the risks before investing in any property. Investment performance is not guaranteed, and past performance is not a reliable indicator of future results. The value of investments, and income from them, can fall and rise, and investors may get less than what they have invested. The products and investments offered on this website may not be suitable for all investors and you accept all the risks of investing in any fund. If you are unsure of your suitability for any investment, you should get personal advice from an authorised financial advisor. Kudo Property only gives information on the products and services which it offers and does not give investment advice based on personal circumstances. The investor is responsible for evaluating the merits and risks associated with the use of any material on this website and for making any investment decision based on that material. In exchange for using the materials on this website, you agree not to hold us and other members of the Kudo Property responsible for the consequences of any decision which may be made based on the information provided on this website. All information on this website is presented only as of the date published or indicated on the relevant page, and it may be superseded by subsequent market events or for other reasons. Users are responsible for refreshing their browsers each time they visit the site, to ensure that they receive the most up-to-date information available.


There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.


The site is provided on an as-is and as-available basis. You agree that your use of the site and our services will be at your sole risk. The information on this website is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. It is the responsibility of visitors to this website to ascertain the terms of and comply with any local law or regulation to which they are subject. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the site and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the site’s content or the content of any websites linked to the site and we will assume no liability or responsibility for any

  1. Errors, mistakes, or inaccuracies of content and materials,
  2. Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the site,
  3. Any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein,
  4. Any interruption or cessation of transmission to or from the site,
  5. Any bugs, viruses, trojan horses, or the like which may be transmitted to or through the site by any third party, and/or
  6. Any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the site. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the site, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.


In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.


Shares represent part ownership in a company, which is the owner of a specific property asset. As such, the owner of a share participates in the performance of the company. However, having shares of ownership does not include or confer any voting rights for any purchases. If the company does well, the shares are likely to rise in price, but if the company does badly, the share price is likely to fall.

  • Insolvency 
    In case the company becomes insolvent, corresponding assets will be sold, and after the appropriate costs have been deducted, holders of shares will be paid based on their ownership.

  • Perception Risk
    Share price is based on demand which depends on investor's perception of the companies’ future prospects and general sentiments. If others are pessimistic about a company, or as valuers assess the underlying assets of the company, the share price will fall, if you sell at that point, or if the price does not recover, you get back less than you put in.

  • User Requests
    To help maintain the liquidity of your investment, in the instance where the majority of shareholders (greater or equal to 50%) in a specific property would like to sell, if the majority of shares have been listed on the Kudo Property Exchange for more than 365 days, shareholders will be asked whether they would like the property to be sold outside the platform within a proposed price band according to market value. When a majority decision is reached then this will be communicated with all shareholders.


You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of:

  1. Use of the Site
  2. Breach of these Terms of Use
  3. Any breach of your representations and warranties outlined in these Terms of Use
  4. Your violation of the rights of a third party, including but not limited to intellectual property rights
  5. Any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.


We will maintain certain data that you transmit to the Site to manage the performance of the Site, as well as data relating to your use of the Site. Although we perform routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.


Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email, and on the Site, satisfy any legal requirement that such communication is in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.


If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.


These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.


Kudo Property is committed to protecting your online security. We devote significant resources to the provision of safeguards designed to keep your information and investments secure, so that you can use our website materials and enjoy the benefits of your account with confidence.

This policy explains some of the many ways in which we keep your details secure and confidential. It informs you about potential threats and other risks which may affect you, and it outlines the additional steps which you can take to protect yourself.

If you believe that your Kudo Property account has been compromised or may be at risk, please email us at security@kudoproperty.com.

If you have been a victim of identity theft, you should contact us immediately. You can email or call us at the above email address or phone number; please include your name, the circumstances of the criminal activity, and a phone number where we can reach you. As described further below, identity theft occurs when a criminal steals your personal information to access your accounts or opens new accounts under your name. Some common ways in which unauthorised people can get your information include breaking into your house, intercepting your postal mail or email, and sending you phishing emails.

Security Features of Your Kudo Property Account

Kudo Property takes very seriously the importance of maintaining your personal information and investments securely at all times. We use a broad range of physical and electronic controls, which we regularly review in order to keep abreast of changing needs and advances in technology. Some of our key account security controls are highlighted below.

Accessing Your Account

As part of the process of signing up for an online account with Kudo Property, you will set up a password and various other security credentials for use when you access your account. This information is encrypted to protect it from third parties, and it will remain confidential and known only by you provided you do not disclose it. For your protection and to ensure security, we always verify your identity before granting you access to your account.

Encryption and Preventing Unauthorised Access

Kudo Property’s website employs encryption technology to protect your online activity with us. All account information passing between your computer and our systems is securely encrypted.

Our systems are protected by firewalls which block unauthorised entry. Firewalls are barriers which permit only certain types of approved traffic to enter our systems.
Someone acting fraudulently may obtain some of your security details and try to access your account by guessing the rest. As a precaution, we will temporarily disable your account if too many incorrect attempts to log in are made. If you accidentally do this yourself, or if you forget your password, you will be able to reactivate your account by following the online account security re-set procedure available at https://www.kudoproperty.com/ForgotPassword.

You should always log out of your account when you have finished using the website, to ensure that the secure connection is closed.

Secure Online Withdrawals

To protect you against the risk of fraudulent withdrawals of money from your Kudo Property account, we ask you to nominate a single bank account for the purpose of receiving payments from us. This means that, even if someone accesses your account wrongfully, the only bank account to which money can be sent is the one nominated by you. If you wish, you may change your nominated bank account online at any time, but for security you must verify the change before a withdrawal from your account may be authorised subsequently, using an additional security code which we will provide to you as described above for dealings.

We will also send a message to your phone and email when certain other activities take place on your account. Please contact us immediately if you receive notification of a change or other activity which you did not initiate yourself.

Staying Secure

While Kudo Property will do all it reasonably can to keep your account safe, you are urged to take steps yourself to avoid the risks which can arise when transacting online. Some practical tips to bear in mind are recommended below.

You should take steps to use the internet safely and securely at all times. Free, expert advice may be obtained at www.getsafeonline.org. To obtain further advice, or to report a fraud, you should contact the UK’s Action Fraud Centre.

You should ensure that you have robust, up-to-date firewall, anti-virus and anti-spyware software installed on your PC, as a critical means of protecting your personal information. Also, if you connect to the internet via a wireless network, including a smart phone or tablet, ensure that it is secure. Regardless of how good your anti-virus software and other protection may be, information passed to websites on an insecure network can be accessed by someone acting fraudulently.

It is critical that you keep your account password and other security details secret. You should not disclose them to anyone, and you should be careful not to write them down or store them unsafely. If you do make a record of your password or other log-in details, make sure that these are kept securely, and above all never store your username, full password and transactional password details in the same place. Remember, once your account is set up Kudo Property will never ask you to divulge your full password. If you are ever asked to provide this, whether on our website or by email or phone, you should stop immediately and contact us on security@kudoproperty.com.

We prohibit the use of a shared email address and you must not register a contact telephone number with Kudo Property which is used by another account holder, for instance a family member. This may impact the management of your account or expose it to activity not under your direct control. Kudo Property cannot be held responsible for any unauthorised activity due to use of shared email used with a shared telephone number.

It is recommended that you change your password regularly, as a means of reducing the risk of harm through someone gaining unauthorised access to your account. You can change your password details at any time by logging in to your account and saving the new password which you choose.

To keep your account secure generally, you should also not give out any personal or financial information unless you are completely sure that the request for it is legitimate. Kudo Property will never contact you to encourage you to trade on your account, to authorise a transfer of money to a third party, or to request any confidential or account security information from you. If you have any doubt as to whether a personal call is genuine, you should end it and email security@kudoproperty.com.

Be very cautious in your treatment of emails, in particular. You should never send us any personal or account information by email, as it is not a secure method of communication. We have provided a secure means whereby you can send us messages via your account when you are logged in (click the “contact us” link), and information sent in this way is secure. Also, be alert to the risks posed by unsolicited emails which you receive, as these may not be genuine. Fake or “phishing” emails are designed to appear as if they come from a reputable company, and they attempt to obtain your personal information for criminal purposes (identity theft). Such scam emails can be difficult to tell apart from authentic ones, and if you are in any doubt you should delete them. Do not click on any embedded links, which seek to take you to a website, and do not reply to the email.

Threats and Scams

You should remain vigilant at all times to ensure that you are not caught by one of the many internet-based and other scams attempted by criminals. We have already highlighted some of the main risks, and we list below the most common examples of these threats.

“Phishing” emails – which claim to be from your bank or another organisation and attempt to trick you into unwittingly providing sensitive personal information by email or by clicking on links to fake websites. Be aware that sharing certain personal information through social media may increase the risk of targeted phishing emails.

Advance fee scams (also known as “419 fraud”) – these involve requesting you to make advance payment for services which are not subsequently provided, or promise you a share of the gains from, for example, participating in the transfer of money from another country.

“Boiler room” scams – these attempt to defraud unsuspecting investors by selling worthless or completely bogus company shares, usually via a telephone cold-calling approach and bogus websites.

Malware (malicious software) – this describes generally various kinds of harmful software installed on your computer by criminals to obtain access to information held there. Specific types of malware include trojans, spyware, and virus.

In addition to the sources of information already mentioned, visit UK Police Action Fraud for up-to-date information about protecting yourself from identity theft, fraud and cyber-crime. There is also useful advice regarding identity fraud and other scams on the Financial Conduct Authority’s ScamSmart.

Specific points to note:

  • Be particularly cautious regarding email correspondence with Kudo Property (or other financial institutions with which you have a relationship). Email is a particularly vulnerable and commonly used medium for online fraud.

  • Never provide your login details in full by email or over the phone – Kudo Property will never request these in this way.

  • Make sure your computer has up-to-date anti-virus software and a firewall installed. Consider using anti-spyware software. Download the latest security updates, known as patches, for your browser and for your operating system (e.g. Windows).

  • Be wary of unsolicited emails requesting personal financial information. You are responsible for keeping your login credentials safe; always be wary of unsolicited emails or calls asking you to disclose any personal details or card numbers. Kudo Property, your bank, building society or the police would never contact you to ask you to disclose your details.

  • Ensure your browser is set to a high level of security notification and monitoring. The safety options are not always activated by default when you install your computer.

  • Know who you are dealing with – always access Kudo Property’s internet site by typing the address (enter) into your web browser. Never go to a website from a link in an email and then enter personal details.

  • Kudo Property’s website’s login page is secured through an encryption process, therefore ensure that there is a locked padlock or unbroken key symbol in your browser window when accessing our site. The beginning of the internet address will change from ‘http’ to ‘https’ when a secure connection is made.

  • Ensure you log off from your Kudo Property account before you shut down, especially if you are accessing your online bank account from a public computer or at an internet café.

  • Check your Kudo Property statements regularly and thoroughly. If you notice anything irregular on your account then contact us as soon as possible.

  • Please contact us immediately if you believe that your Kudo Property account may have been accessed by someone else, may be at risk for any other reason, or if you believe that your identity has been stolen or used in connection with authorised activity with any other financial institution.


    To resolve a complaint regarding the Site or to receive further information regarding the use of the Site, please contact us on security@kudoproperty.com.


    Kudo Property is committed to:

  • Providing a high standard of client service.
  • Maintaining our reputation for credibility and accountability.

  • We welcome feedback on our service at any time. If you are dissatisfied with our services, please give us the opportunity to fix the problem. We will investigate, answer your questions and work hard so you enjoy using our services. Should you feel dissatisfied with any aspect of our service, your first action should be to contact us on legal@kudoproperty.com.

    The complaints handling procedure sets out the method for the submission of complaints by clients and the Company’s processes for dealing with such complaints. What is a complaint? The Company defines a complaint as “an expression of dissatisfaction, whether oral or written, with a product or service provided by the Company that is not resolved at the first point of contact.” How to make a complaint? Any member of the Company staff can receive a customer complaint and has the responsibility to do everything within their authority to resolve the issue at the first point of contact.

    Where a member of staff feels they lack the experience, expertise or authority to settle the matter immediately, they may refer the matter to their supervisor. Complaints shall be submitted by email tolegal@kudoproperty.com.

    To help us respond as quickly as possible, a complaint sent by the client shall include:
    1. The client’s name and surname.
    2. The client’s username.
    3. The date on which the issue arose.
    4. The affected email account and, if applicable, transaction numbers.
    5. A clear and logical description of the issue.

    Complaints must not include offensive language directed to either the Company or any Company employee. Our Customer Care team may contact the complainant directly in order to obtain further clarifications and/or information. The complainant’s cooperation is required for the handling of the complaint in question. While our Customer Care team will be able to resolve the majority of queries, you may also refer the query as a complaint to our Compliance Department.

    We prefer to receive complaints in writing by email, as there is less potential for misunderstanding. In order to contact the Company’s Compliance Department, you should write to legal@kudoproperty.com setting out the details of your complaint as clearly as possible.

    The Compliance Department operates independently and will carry out an impartial review of your case, contacting you for more information if necessary. They will endeavour to determine what happened or failed to happen, and assess whether we have acted properly and in accordance with our rights and obligations. They may also determine whether any compensation is due. Investigation On receipt of your complaint our staff will acknowledge your complaint and, where required, will commence an investigation. Whilst our internal procedures allow us up to eight weeks to deal with a complaint, every effort will be made to resolve complaints as quickly as possible.

    Timeframes & External Dispute Resolution

    If after a period of twelve (12) weeks, the Company has not completed its investigation and provided a final response, we must either:

    A. Provide a final response in writing, which:

  • Accepts the complaint, and where appropriate, offers redress or remedial action; or
  • Offers redress or remedial action without accepting the complaint; or
  • Rejects the complaint, and gives our reasons for doing so.

  • The response will include:
    1. A copy of the Financial Ombudsman Services (FOS) standard explanatory leaflet.
    2. The website address of the FOS.
    3. Informing the complainant that they may refer the complaint to the FOS if dissatisfied and, if so, do so within six (6) months of the date of our final response.
    4. Indicating whether or not we consent to waive the relevant time limits.

    B. Provide a written response, which:

  • Explains why we are not in a position to give a final response and provide an indication as to when we expect to be able to do so
  • Informs the complainant that he or she may now refer the complaint to the FOS
  • Indicates whether or not we consent to waive the relevant time limits
  • Encloses a copy of the FOS standard explanatory leaflet; and
  • Provides the website address of the FOS. The FOS is an independent service in the UK established by the Parliament for settling disputes between businesses providing financial services and their customers.

  • The FOS will make a determination after reviewing your complaint and all relevant issues, for example any relevant FCA rules. The FOS has the authority to resolve the complaint, and the Company will be bound by their determination. Should you decide to utilise The FOS, you can do so free of charge.

    You can contact the FOS directly:

  • Address: Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall London E14 9SR United Kingdom
  • Phone: 0800 023 4567
  • Email: complaint.info@financial-ombudsman.org.uk
  • Web:  https://www.financial-ombudsman.org.uk

  • Please note that the FOS will not consider a complaint until we have had the opportunity to address the complaint, and any reference to FOS should not be made by you until you receive a final response from us or eight weeks after the date of your complaint, whichever is sooner.

    You can also choose to raise a complaint via the European Commissions Online Dispute Resolution Platform. However, since the Financial Ombudsman Service was established to deal with complaints regarding financial service firms based in the United Kingdom, it is likely that you will be referred to the Financial Ombudsman Service, whose details are outlined above.