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Website terms & conditions

1. Introduction

These Website Standard Terms and Conditions (the Terms) of this webpage shall manage your use of this website. These Terms will be applied fully and affect users and visitors (users)of Insula Investment Ltd’s (the Company) Website. By using said Website, you accept all terms and conditions  herein and abide by them. 

Minors or people below 18 years old are not allowed to use this Website.

2.  Intellectual Property Rights

Insula Investment Management Ltd and/or its licensors own all the intellectual property rights and materials contained in this Website apart from the content owned by its users as per these Terms.

In reference to the above, users are granted a limited license only for purposes of viewing the material contained on this Website.

3. Restrictions

Under these Terms, users are specifically restricted to engage in the following:

publishing any of the Website’s material on any other media, network, website or any other platform accessible to the public;

selling, sublicensing and/or otherwise commercializing any of the Website’s material;

publicly performing and/or showing any of the Website’s material;

using this Website in any way that is or may be damaging to the Company’s reputation or the reputation of its Website;

using this Website in any way that impacts user access to this Website;

using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website or the Company, or to any person or business entity;

engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;

using this Website to engage in any advertising or marketing of any sort.

Certain areas of this Website have a restricted access which can be enhanced for a specific user by Insula Investment Management Ltd at any time and in absolute discretion. Any user ID and password that have been given for the use of this Website are to remain confidential. The identities of users are to remain confidential as well.

4. Your Content

In these Website Standard Terms and Conditions, “Your Content” shall refer to any audio, video text, images or any other material you choose to display on this Website. By displaying Your Content, you hereby grant Insula Investment Management Ltd a non-exclusive, worldwide, irrevocable, sub-licensable license to use, reproduce, adapt, publish, translate and distribute in any and all media, network, website or any other platform accessible to the public.

Your Content is to be your own and must not invade any third-party’s rights. Insula Investment Management Ltd reserves the right to remove or modify any of Your Content at any time and without notice.

5. No warranties

This Website is provided “as is,” with all faults, and Insula Investment Management Ltd expresses no representations or warranties of any kind in relation to this Website or the materials it contains. Furthermore, nothing contained on this Website shall be interpreted as providing an advisory service.

6. Limitation of liability

In no event shall Insula Investment Management Ltd, nor any of its officers, directors and employees, be held liable for anything arising out of or in any way connected to your use of this Website whether such liability is under contract.

Furthermore, Insula Investment Management Ltd as well as its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.

7. Indemnification

You hereby agree to indemnify to the fullest extent. Insula Investment Management Ltd from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

8. Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

9. Variation of Terms

Insula Investment Management Ltd is permitted to revise these Terms at any time. Users are therefore expected to be aware of such revisions

10. Assignment

Insula Investment Management Ltd is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, users are not permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

11. Entire Agreement

These Terms constitute the entire agreement and therefore supersede any and all prior agreements and understandings users may have with Insula Investment Management Ltd..

12. Governing Law & Jurisdiction

These Terms and any non-contractual obligations arising out or in connection with it shall be governed and construed in accordance with the laws of the United Kingdom. 

Users irrevocably agree that the Courts of the United Kingdom are to have exclusive jurisdiction to settle any dispute which may arise out of or are in connection with these Terms.

Disclaimer Notice:

Insula takes appropriate steps to ensure its content is only exposed to relevant accredited investors, with their prior consent as required by FCA COBS. Hence, Insula cannot be held responsible for inappropriate Marketing exposition and it is the user’s entire responsibility to ensure that they are eligible to be exposed to Insula’s website and digital content. 

Insula is in the process of meeting all the legal requirements of the Financial Conduct Authority to fully operate as a UK investment company advising on and managing an unregulated collective investment scheme based outside of the UK(target 2020).Centralised Investments will begin only once all licensing, authorisation and registration requirements are met. In the meantime, Insula will only operate outside of the FCA’s jurisdiction. This means that Insula will not operate centralised/regulated investment activities for the account of clients before meeting all required licenses.

At the moment, Insula is solely focused on its decentralised activity, research activity and its internal setup. This means that no centralised investments or custody services are currently available.

In case of doubt, please ensure that you are eligible below.

Disclaimer concerning the eligibility to browse Insula’s website: 

Important Information for website users and visitors:

​ The information or documents herein are not intended for general distribution or use in the United States or for U.S. citizens. ​

This material is exclusively made for and directed to persons who are experienced investors in unregulated collective investment schemes, who are deemed “professional” or “eligible counterparty” clients as defined by the FCA and who fall within the Financial Services and Markets Act 2000 (Promotion of Collective Investment Schemes) (Exemption) Order 2001.

Falling outside of the Financial Conduct Authority’s perimeter, Insula’s activity only addresses certified high net worth individuals, family offices, mutual funds, pension funds, and sovereign wealth funds.

​​​

Find more information on the FCA’s official handbook – COBS 4/8 ​■​ ​Release 36 ​​

For accredited investors only:

The information contained in these pages must not be used or relied upon by private investors.

Insula is not open for retail investors.

Insula advertises and develops solutions for accredited investors only.

Insula Investment Management Ltd’s website users and visitors have to be eligible and suitable investors in regards to the FCA’s policy.

Insula Investment Management Ltd does not accept Specified Investments at the moment.

Insula Investment Management Ltd does not encourage or market its product to retail investors as per the unregulated nature of exchange and utility tokens and existing Marketing Restrictions.

If you are not a UK accredited investor as defined by the Financial Conduct Authority (FCA), please acknowledge that Insula’s website information may not be suitable for further consultation and that you may terminate your visit of www.insulainvestments.com (the Website).

Insula takes appropriate steps to ensure its content is only exposed to relevant accredited investors, with their prior consent as required by FCA COBS. Hence, Insula cannot be held responsible for inappropriate Marketing exposition and it is the user’s entire responsibility to ensure eligibility to be exposed to Insula’s website and digital content. 

At the moment, Insula is solely focused on its decentralised activity, research activity and its internal setup.This means that no centralised investments (off chain), custody services, nor advisory on regulated investments are currently  available. Only our Decentralised Finance (Defi) /unregulated activity is currently up and running.

Special attention is given to AML and KYC during customer on-boarding. 

Please read our Business Compliance Policy here to learn more.

GDPR & Cookies Policy disclaimer:

Use of cookies:

We use cookies and other tracking technologies to improve your browsing experience on our website, to analyse our website traffic, and to understand where our visitors are coming from. By browsing our website, you consent to our use of cookies.

​Marketing Exemptions Disclaimer:

Nothing on the Website or in the above Terms constitutes an offer to sell, or the solicitation of an offer to buy any securities or tokens.

Insula enables capital connection and managing using smart contracts which are open source.

Insula does not take custody of tokens and is only a collaborative hub for investors and managers.

Insula is not a licensed bank, broker-dealer, investment advisor or an exchange. Insula uses partner protocols (UniSwap, 0x) to power its own ecosystem.

This project is in beta. The use of any products in relation with or provided by Insula Investment Management is at the user’s own risk and any loss or damage arising out or in connection with this usage cannot be held against Insula Investment Management.

​Insula puts significant efforts into informing its users of its legal duties and the existing risk of cryptocurrency.

Insula cannot be held responsible of any misleading communication or to have failed to provide investors with information regarding its token (ISLA) and Insula Investment Management Ltd’s business operations, financial condition, risk factors, and management.

Crypto Tax disclaimer:

​1) Concerning InsulaDAO users (individuals). (IMPORTANT INFORMATION FOR ALL DAO MEMBERS).

Insula’s users are responsible for paying their own tax and performing any other duties they may have to complete in the investment lifecycle, and more especially during withdrawal. 

Whether it is capital gains, transfer tax or any other duty, Insula’s users shall always make sure to duly report and declare their crypto-asset holdings and gains in accordance with their respective local government tax laws. InsulaDAO works structurally on a do it yourself (DIY) basis down to the individual scale, private tax reporting included.

2) Insula Investment Management Ltd  (the limited company as a legal entity)

Insula does its investment reconciliation accountings  in BTC,ETH,ISLA,and USDT terms.

1-At the time of tax filings, we translate the value of capital gains or other taxable forms of income over the past year into Pounds (GBP).

2-Capital gain or other taxable forms of income by HMRC are paid at the standard UK crypto-corporate tax rate & crypto-capital gains tax rates, and any other rates that may apply locally to the private limited liability company as per se (Insula Investment Management Ltd).

Insula will begin submitting tax fillings with HMRC in 2020.

If some of the net corporate profit is redistributed from Insula Limited Company to the individual level, then the rule 1) stated above still applies- i.e. local corporate crypto tax rate for individuals.

We invite you to visit HMRC’s website in order to learn more about crypto-assets tax policy in the United Kingdom:

Cryptoassets: tax for individuals

Cryptoassets: tax for businesses

Insula (SLA) Utility Token Disclaimer:

Disclaimer: Insula Token (ISLA) is not a regulated investment, and is not a derivative of any kind. 

Insula Investment Management only directly deals with exchange and utility tokens. Insula does not deal at all with derivatives and security tokens.

Insula Token falls outside of the Financial Conduct Authority’s perimeter, which means that investors in Insula Token will NOT have access to Financial Ombudsman Service and Financial Services Compensation Scheme if things go wrong. 

Investors in Insula Token may lose some or all of their investments.

Please seek independent professional advice if you are in any doubt about the potential risk and returns involved.

If your adviser is not able to clearly explain the nature of the underlying investment and risk to you, then consider whether you fully understand what you are willing to invest in.

Please note: Insula Token (ISLA), is a cryptocurrency (a utility token).

It is used in limited supply within Insula Blockchain Ecosystem.

Insula’s present and future funds prototypes, or decentralised funds are strictly different products than Insula’s cryptocurrency, that is an Ethereum ERC20 Token called Insula (ISLA).

​​Insula puts significant efforts into informing its users of its legal duties and the existing risk of cryptocurrency.

Insula cannot be held responsible of any misleading communication or to have failed to provide investors with information regarding ISLA and Insula Investment Management Ltd’s business operations, financial condition, risk factors, and management.

Generic Cryptocurrency Risk Investment Disclaimer:

Cryptocurrency Risk Disclaimer

In deciding to trade in crypto currencies, you should be aware of the following points:

• Understand that the market for crypto currency is still new, uncertain and partly unregulated. Whether the market will move up or down, or whether a particular crypto currency will lose all or substantially all of its value, is unknown. This applies both to trades that are going long and to trades that are shorting the market.

• Markets for crypto currencies have varying degrees of liquidity. Lack of liquidity can amplify volatility. There is never a guarantee that there will be an active market for one to sell, buy, or trade a specific crypto currency. Furthermore, any market for tokens may abruptly appear and vanish.

• In addition to liquidity risks, values in any crypto currency marketplace are volatile and can shift quickly. Participants in any crypto currency market are warned that they should pay close attention to their position and holdings, and how they may be impacted by sudden and adverse shifts in trading and other market activities.

• Understand that the legal status of specific crypto currencies may be uncertain. This can mean that the legality of holding or trading them is not always clear. Whether and how one or more crypto currency constitute property, or assets, or rights of any kind may also seem unclear. Know that you are responsible for knowing and understanding how crypto currency will be addressed, regulated, and taxed under applicable law.

• Understand the nature of crypto currencies, the technology involved and the extent of my exposure to market and liquidity risk.

• Make sure that the product is suitable for you in the light of your circumstances and financial position.

• If trading in crypto currencies, you may sustain a total loss of the deposited funds and/or stored crypto currency.

• You agree to hold harmless Insula Investment Management Ltd. [“the Firm”] and its directors from any liability arising out of the Firms performance to the fullest extent permitted by law for a director or officer of the Company, except to the extent of the Firms negligence or wilful misconduct.

Disclaimer on AML & KYC:

Special attention is given to AML and KYC during customer onboarding.

Legal Timeline:

Disclaimer

Insula Investment Management Ltd does not accept Specified Investments at the moment.

Insula Investment Management Ltd does not encourage, neither Markets its product to retail investors. (as per the unregulated nature of exchange and utility tokens and existing Marketing Restrictions.

If you are not a UK accredited investor as defined by the Financial Conduct Authority (FCA), please acknowledge that Insula’s website information may not be suitable for further consultation and that you may terminate your visit of  The Website immediately.

Insula takes appropriate steps to ensure its content is only exposed to relevant accredited investors, with their prior consent as required by FCA COBS. Hence Insula cannot be held responsible for inappropriate Marketing exposition and it is your entire responsibility to ensure you are eligible to be exposed to Insula’s website and digital content. 

Insula is in the process of meeting all the legal requirements of the Financial Conduct Authority to operate as a UK investment company advising on and managing an unregulated collective investment scheme based outside of the UK(target 2020). Investments will begin only once all licensing, authorization and registration requirements are met. In the meantime, we will only operate outside of the FCA perimeter i.e Insula will not operate investment activities before meeting all required licenses.

In case of doubt, please check if you are eligible by scrolling through the current page.

Special attention is given to AML and KYC during customer on-boarding. 

Please read our Business Compliance Policy here to learn more.