pontcanna private finance

Terms & Conditions

Last updated: April 2026

pontcanna.finance • info@pontcanna.finance

1. Introduction & Acceptance

These Terms & Conditions (the "Terms") govern your use of this website and your engagement with the services provided by Pontcanna Private Finance, a trading name of Pontcanna Estates FZCO, a company registered in the United Arab Emirates.

Acceptance of Terms: By engaging with our team for the first time — whether by telephone, email, video call, or in person — you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should not engage our services.

Where a separate written Client Agreement has been entered into, that agreement shall take precedence over these Terms in the event of any conflict.

2. Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the site. You must not:

Use this website in any way that is unlawful, fraudulent, or harmful
Transmit unsolicited commercial communications or spam
Attempt to gain unauthorised access to any part of this website or its underlying systems
Scrape, copy, or systematically extract content or data from this website without our prior written consent
Upload or transmit any material that contains viruses, malware, or any other harmful code

We reserve the right to restrict or terminate access to this website for any user who breaches these Terms, without notice.

3. Our Services

Pontcanna Private Finance provides international private finance and asset financing introduction services to high-net-worth clients. The nature of our role varies depending on the service and the specific opportunity, as set out below.

Financing Introduction Services

We act solely as an introducer in relation to all financing arrangements. We do not provide mortgage advice, financial advice, or any other regulated financial service. Depending on a client’s circumstances, we may introduce them to:

A mortgage adviser — an independently operating professional who will conduct their own assessment and provide regulated advice. Any advice given is the sole responsibility of that adviser.
A private bank — who will engage with the client directly under their own terms, carry out their own due diligence, and provide advice under their own regulatory framework.

Clients seeking financing introductions will be asked to enter into a separate Client Agreement prior to engagement, which sets out the specific terms, scope, and fees applicable to that service.

Professional Network

We maintain a panel of professionals across relevant disciplines, including lawyers, accountants, and specialist advisers. Where a client requests an introduction to a professional, that introduction is made as a courtesy. Any engagement with a third-party professional is entirely at the client’s discretion, and Pontcanna Private Finance accepts no responsibility for the advice or services provided by those professionals.

4. Fees, Commissions & Disclosure

Pontcanna Private Finance operates on a fee and commission basis. In the interest of full transparency, the following applies.

Financing Services — Fees Charged to the Client

Our financing introduction service is subject to a fee payable directly by the client. The specific fee, payment terms, and scope of service are set out in the Client Agreement, which will be provided and agreed in writing before any financing introduction is made.

We may also receive a referral fee or introducer commission from the mortgage adviser or private bank to whom we make an introduction. Where this applies, it will be disclosed in the Client Agreement.

No Undisclosed Benefits

We are committed to transparency in our commercial relationships. We do not accept undisclosed payments, gifts, or incentives from any partner in connection with a client introduction.

5. No Advice & Client Responsibilities

Pontcanna Private Finance does not provide, and you should not construe any of our communications as constituting:

Financial, mortgage, or investment advice
Legal advice
Tax advice of any kind, in any jurisdiction
Structural, survey, or valuation advice

Your responsibilities: You are solely responsible for carrying out your own due diligence before entering into any financing arrangement or asset acquisition. This includes, but is not limited to:

Obtaining independent legal advice from a qualified solicitor or notary in the relevant jurisdiction
Obtaining independent financial and mortgage advice from a regulated adviser
Obtaining independent tax advice relevant to your personal circumstances and country of residence
Commissioning any survey or valuation where appropriate
Satisfying yourself as to the suitability and terms of any financing arrangement before proceeding

We strongly recommend that all clients engage independent advisers before proceeding.

6. No Guarantees

We do not make any guarantee, warranty, or representation in relation to the following:

Financing approval — an introduction to a mortgage adviser or private bank does not guarantee that finance will be offered or approved. Lending decisions are made entirely at the discretion of the lender
Financing terms — any indicative rates, loan-to-value ratios, or terms referenced are illustrative only and are subject to the lender’s own assessment
Asset values — any commentary on asset values, depreciation, or market conditions is indicative only
Exchange rates — where financing or asset prices are denominated in a foreign currency, exchange rate movements may materially affect costs
Timescales — completion and drawdown timescales are estimates and may be subject to change

7. Third-Party Services

We work with a network of third-party professionals, lenders, and service providers. The following applies to all such third-party relationships:

Third parties operate independently of Pontcanna Private Finance and are solely responsible for their own services, conduct, advice, and regulatory compliance
Any contract, agreement, or transaction entered into with a third party is solely between you and that third party. Pontcanna Private Finance is not a party to, and accepts no responsibility for, any such arrangement
We do not endorse, guarantee, or accept liability for the quality, suitability, accuracy, or outcome of any service or advice provided by a third party
Third parties may have their own terms and conditions, privacy policies, and fee structures which will apply independently to your engagement with them

We encourage all clients to review the terms and credentials of any third party before entering into a formal engagement or financial commitment.

8. Investment & Financing Risk

Asset financing and acquisition carries inherent risks. By engaging our services, you acknowledge and accept that:

The value of assets — including property and vehicles — can decrease as well as increase
Currency risk — where a transaction is conducted in a foreign currency, exchange rate movements may affect the overall cost
Regulatory and tax risk — laws governing asset ownership, financing, and taxation may change in any of the jurisdictions in which we operate
Financing risk — interest rates and lending conditions may change between indicative terms being provided and financing being finalised

You should only proceed if you fully understand these risks and have taken appropriate independent advice.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Pontcanna Private Finance (including its directors, employees, agents, and partners) excludes all liability for:

Any direct, indirect, consequential, incidental, or special loss or damage arising from your use of our services or this website
Any loss of profit, revenue, business, savings, data, goodwill, or anticipated savings
Any decisions made or actions taken in reliance on information, introductions, or communications provided by Pontcanna Private Finance or its representatives
The acts, omissions, advice, or conduct of any third party — including mortgage advisers, private banks, lawyers, notaries, or accountants — to whom we have made an introduction
Any failure of a financing application or any lending decision made by a third party
Any loss arising from currency fluctuations, market movements, or changes in law or regulation

Nothing in these Terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be lawfully excluded or limited, including mandatory consumer protection rights applicable under the laws of your country of residence.

10. Communications

All written and verbal communications from Pontcanna Private Finance — including emails, call notes, presentations, market updates, and website content — are provided for general informational purposes only.

Nothing in our communications constitutes a binding offer, a guarantee, or advice of any kind. Details shared during the course of an engagement are subject to change and should be verified independently before any reliance is placed upon them.

We may communicate with you by email, telephone, video call, or messaging platforms. By engaging our services, you consent to being contacted by these means in connection with your enquiry or ongoing matter.

11. Privacy & Data Protection

Your privacy is important to us. The collection, use, and storage of your personal data in connection with our services is governed by our Privacy Policy, which is available at pontcanna.finance and forms part of these Terms.

By engaging our services, you confirm that you have read and understood our Privacy Policy and consent to the processing of your personal data as described therein.

12. Intellectual Property

All content on this website and in our marketing materials — including text, articles, guides, images, logos, branding, and the design and layout of this website — is the property of Pontcanna Private Finance or is used with the permission of the relevant rights holder.

You may view, download, and print content for your own personal, non-commercial use only. You may not:

Reproduce, republish, or distribute any content without our prior written consent
Use our content or data for commercial purposes or in connection with a competing business
Remove or alter any copyright or proprietary notices
Scrape or systematically extract data from this website

The Pontcanna Private Finance name, logo, and brand are the property of Pontcanna Estates FZCO. Unauthorised use is strictly prohibited.

13. Amendments to These Terms

We reserve the right to update or amend these Terms at any time. The date at the top of this page indicates when these Terms were last reviewed. Continued engagement with our services following any update constitutes acceptance of the revised Terms.

We recommend reviewing these Terms periodically. Where changes are material, we will take reasonable steps to bring them to your attention.

14. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the United Arab Emirates.

Consumer rights: If you are a consumer resident in the United Kingdom or a member state of the European Union, you may have additional rights under the mandatory consumer protection laws of your country of residence. Nothing in these Terms is intended to exclude or limit those rights.

If you have a complaint or concern, we encourage you to contact us in the first instance so that we can seek to resolve the matter promptly and directly.

15. Contact Us

If you have any questions about these Terms or any aspect of our services, please contact us:

Email: info@pontcanna.finance

Website: pontcanna.finance

Postal Address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, UAE

Legal Entity: Pontcanna Estates FZCO

We aim to respond to all enquiries within five business days.