Our Client Policy

This Client Policy outlines the type of clients RiverBay Capital Limited (“RiverBay”) exclusively works with.

RiverBay is not regulated by the Financial Conduct Authority (“FCA”). Any regulated activities for the purposes of Financial Services and Markets Act 2000 (“FSMA”) are conducted by independent and authorised third parties.

Please be aware that non-regulated bridging loans or development loans are not regulated by the FCA; since RiverBay does not offer or work with regulated bridging loans or development loans, we do not require authorisation or regulation by the FCA. All facilities to private individuals comply with the exemptions set out in FSMA. 

Clients may not complain to the FCA, nor have the benefit of the Financial Services Compensation Scheme, the Financial Ombudsman Scheme or other protections afforded by FSMA and any rules and regulations made thereunder, including those made for the protection of retail clients.

RiverBay does not work with any retail clients and does not handle any client money.

RiverBay only works with the following qualified clients:

1. Investment Professionals

2. Certified High Net Worth Individuals

3. High Net Worth Companies

4. Sophisticated Investors

5. Self Certified Sophisticated Investors

As part of RiverBay’s due diligence process, an independent assessment will be carried out of each prospective client to ensure compliance with the FCA and a client may be required to sign a declaration. RiverBay may also request written confirmation and / or evidence from a client’s accountant or solicitor.

RiverBay encourages all clients to consult with an FCA authorised firm specialising in advising on investments.

For further information about this Client Policy, you can write to: legal@riverbaycapital.com.