Investment Terms and Conditions

1.1
Our agreement is with you (when you use our app/services/customer) and Yeeld Technologies Limited (Yeeld/Yeeld technologies/us/we). Yeeld's products and services are provided by Yeeld Financial Services LTD (15776510) and Yeeld Investments LTD (15775018), wholly owned subsidiaries of Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR. Whenever we refer to ‘Yeeld’, ‘we’ or ‘our’, we mean all subsidiaries and companies of Yeeld Technologies Limited.
1.2
Yeeld Investment Limited (FCA no: 1019161) is an appointed representative of WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719, registered in England and Wales, no. 09686970, with a registered office at 41 Luke St, London, UK, EC2A 4DP. Yeeld Financial Services are a co-brand of Payload Ltd, who act as a Programme Manager under Transact Payments Limited (TPL – 108217). Transact Payments Limited is a licensed electronic money institution authorised and regulated by the Gibraltar Financial Services Commission.
1.3
You agree to these terms and conditions when you register for Yeeld app. If you do not agree to these Terms and Conditions, you must not use Yeeld app. You must be 18 years old and a resident of United Kingdom to use our app and services. You can contact us through the Yeeld App. (Email, phone and postal address to be included)
1.4
You should also read Yeeld’s Privacy Policy, Cookie Policy and FAQs and Yeeld connect terms and conditions. By using the Service, you agree to the terms of our Privacy & Cookie Policy, which forms part of these Terms of Use and our agreement with you.
1.5
The Yeeld Connect Terms and Conditions shall also govern and apply in full to the use of Yeeld Companion. By accessing or using Yeeld Companion, you acknowledge and agree that you are bound by the terms set forth in the Yeeld Connect Terms and Conditions, in addition to any specific terms that may be applicable to Yeeld Companion.
How you can contact us
You can contact us through Yeeld app, you can also email us at Support@yeeld.com and call us at 02080505813.
Our Partners

2.1
We use Comply Advantage and Sumsub as trusted Know Your Customer (KYC) and Anti-Money Laundering (AML) verification providers. These partners process your personal data securely to fulfil regulatory obligations, prevent financial crime, and ensure compliance. Your personal and financial data provided during verification processes are handled according to strict privacy and data protection standards.
Privacy details of these services are available here:
- Comply Advantage Privacy Notice
- Sumsub Privacy Notice

Your Account
3.1
Your Yeeld account and associated Visa Consumer Debit services are issued by Transact Payments Limited (“TPL”), a company authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution.
3.2
By clicking to accept the Yeeld Wallet and Visa Consumer Debit Terms and Conditions, which govern your use of the account and card services, you agree to be bound by them. These Terms and Conditions outline your rights and responsibilities when using the account and card. You must read and accept these terms prior to using the card or wallet features in the Yeeld App. If you do not agree to them, you must not activate or use the Yeeld card services.

4.1
These terms and conditions are between you and Yeeld Investments LTD for the investment services provided in the Yeeld app. The provisions of these T&Cs will apply to you from the date on which you open your investment account via Yeeld app in accordance with the conditions set out below, and once you accept these conditions via the Application. Yeeld Connect conditions will apply for the provisions of using the app.
4.2
When you open a Yeeld Investment Account, you agree not only to our Terms and Conditions but also to the Terms and Conditions of WealthKernel, which acts as your custodian and provides trading and settlement services on your behalf. WealthKernel is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 723719, which you can use to locate them on the FCA register. The company is registered in England and Wales under company number 09686970.
4.3
By opening an investment account with Yeeld, you will automatically become a customer of WealthKernel. Their Terms and Conditions apply to your account and are detailed below:
4.4
WealthKernel Limited are your custodian. This means they are responsible for holding your cash and investments safely. They are regulated by the Financial Conduct Authority (FCA). They hold your cash and investments separately from their own (ring fenced) in accordance with the FCA’s client asset rules. Their custodian terms can be found here.
CONSENT
4.5
It is important to us that you fully understand and agree to these Terms, as well as any product and service disclosures you receive. If you have any questions or require clarification, please contact us at support@yeeld.com. Unless otherwise agreed in writing, these Terms and product/service disclosures shall apply to all services we provide to you and any associated work.
If you agree to these Terms, please indicate your consent below. Your consent is required before we can provide you with our services.
By agreeing to these Terms:
- You acknowledge that you have carefully read and understood these Terms and agree that they apply to all services you receive from us.
- You elect not to receive information on every individual transaction executed on your behalf but instead receive periodic reports every three months, unless otherwise agreed.
- You authorize the transfer of information, on a confidential basis, as required under these Terms, between third parties.
- You confirm that you have read, understood, and agree to our Order Transmission Policy and Wealthkernel’s Execution Policy (https://www.wealthkernel.com/policies) concerning all transactions executed by Wealthkernel on your behalf. Furthermore, you confirm that:
  - If any of your orders may be executed outside a trading venue, we will inform you accordingly, and you expressly consent to such execution.
  - With respect to client limit orders, you expressly instruct Wealthkernel not to take measures to facilitate the earliest possible execution of unexecuted orders in a manner easily accessible to other market participants.
  - Wealthkernel may aggregate your orders with those of other clients. While Wealthkernel will act fairly, such aggregation may, in certain circumstances, be disadvantageous to you in relation to a specific order.
Representations and Warranties
You expressly understand and agree with section 10 of the Yeeld Connect terms and conditions.
Transferring funds to us
4.6
You may transfer funds from your Yeeld current account to your investment account. We only accept funds from a UK bank account that is in your name (referred to as your “Account”). Unless otherwise agreed in writing, all transfers into and out of your account will be in e-money, and payments must be made via direct debit, bank transfer, or standing order. You may also make payments through the open banking integration between our app and your banking app or website. If you choose to make a payment via open banking, the transaction will be processed by a third-party provider.
Domestic bank transfers within the UK are generally processed within three to five days, though in some cases, they may take longer. Services related to the transferred funds will only commence once the funds have been successfully received.
Funds used for investment must be wholly owned by you, with no rights held by any other individual or entity. As part of our legal and regulatory obligations concerning financial crime, we reserve the right to reject any payments if it is determined that you are not the beneficial owner of the funds.

6.1
Please refer to our fee information page for details on fees and charges yeeld.com/fees. We apply a management fee per annum published on yeeld.com/fees (inclusive of VAT where applicable) on your total assets under management invested with us. Additional taxes, costs, and charges may apply that are not levied by us. These may include, but are not limited to, fund charges, which are deducted directly by the respective fund provider.
6.2
While our fee is quoted as an annual percentage, it is deducted monthly in arrears directly from your assets under management. Fees are debited during the first week of each month. If you deposit or withdraw funds partway through a month, fees will be calculated on a pro-rata basis, meaning you will only be charged for the period your funds were invested with us during that month. A detailed breakdown of our costs and charges is available upon request. The exact amount deducted in fees can also be viewed in the Transaction History section of the app.

We will treat you as a retail client. This means that you will have the highest level of protection under the rules made by the Financial Conduct Authority (the “FCA Rules”). You will also have the right to take any complaint which you cannot settle with us to the Financial Ombudsman Service. You may at any time ask us to re-categorise you as a professional client or an eligible counterparty, but it is not our general policy to re-categorise retail clients and we can reject your request. When we refer to the FCA and the FCA Rules we also mean any regulator which may replace the FCA and the rules it may make to regulate our business.
We are covered by the Financial Services Compensation Scheme (“FSCS”) through wealth kernel. This means you may be entitled to compensation from the scheme if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of your claim, and you are covered up to a maximum of £85,000 per person. Further details of the Financial Services Compensation Scheme are available from www.fscs.org.uk

If you have an enquiry or complaint about the Service, or simply wish to get in touch, you should contact our customer services team via our app, email complaints@yeeld.com or phone number. In the event that you have a complaint we cannot settle, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website www.financial ombudsman.org.uk. Please refer to our complaints policy (www.yeeld.com/complaints) for further information on how we resolve complaints and the timeframe you can expect us to resolve your complaint. at

9.1
We may update these Terms for several reasons, including but not limited to:
- Compliance with changes in law, regulation, or rulings from the Financial Ombudsman Service.
- Adjustments in taxation affecting either our business or your account and related products.
- Requirements imposed by regulatory or tax authorities, as well as industry guidance or codes of practice.
- Evolving investment market practices, including changes in securities trading and administration that may impact your account.
- Enhancements to clarify the Terms and any other modifications that do not negatively affect you.
- Situations where fulfilling the Terms becomes impractical or impossible due to circumstances beyond our reasonable control.
- Modifications to reflect updates to our services or how they are provided.
- Revisions to applicable account charges.
- Expanding or refining the range of investments we offer.
- Enhancements to our online services driven by technological, service, or proposition improvements.
9.2
Changes that result from factors beyond our control, such as legislative amendments, or modifications that benefit you, such as service improvements, will take effect immediately. We will notify you at the next appropriate opportunity. We are not liable for any delay or failure in fulfilling our obligations if caused by events beyond our reasonable control. Such events include, but are not limited to:
- Natural disasters such as fires, earthquakes, storms, or floods.
- Explosions, nuclear incidents, or collisions.
- Acts of sabotage, riots, civil disobedience, strikes, or terrorism.
- Epidemics, national emergencies, or acts of war.
- Legal or regulatory changes imposed by governmental or regulatory bodies.
- Market conditions that affect transaction execution or settlement.
- Cyberattacks, network disruptions, or interruptions to internet or telecommunications services.
- Disruptions in essential services, including electricity and third-party service providers.
- For any material changes, we will provide written notice at least 30 calendar days before they take effect whenever possible. If advance notice is not feasible, we will notify you as soon as reasonably practicable after the change occurs.

10.1
To enable us to provide you with our services effectively, you are required to comply with certain obligations. You must agree to the terms governing our relationship and confirm that any information you provide, including within your suitability questionnaire, is accurate and not misleading. It is your responsibility to promptly notify us of any changes to the information supplied.
10.2
You must provide all necessary information and documentation required for account opening and any additional details reasonably requested to fulfill our legal, regulatory, and contractual obligations. You confirm that the investments and cash within your account portfolio are entirely owned by you and free from liens, charges, or other encumbrances. You agree not to engage in, or authorize any third party to engage in, transactions involving the investments in your account except through us. Additionally, you undertake to sign and submit any documents requested to enable us to fulfill our duties.
Specific Risks of Investments
10.3
It is essential that you understand the risks involved when making an investment. In addition to the general risks outlined in our Terms and Personal Investment Report, the following are specific risks associated with different types of assets:
10.3.1
Investments may fluctuate in value, and you may not recover the full amount invested. Financial markets and economic conditions outside our control can impact investment performance. Past performance is not necessarily indicative of future results.
10.3.2
Company equity, or shares, carries specific risks, including potential price volatility, particularly for smaller companies, whose shares may be harder to sell. Dividend payments are not guaranteed, and companies may become insolvent, rendering their shares worthless. The overall market for equities may decline, and company earnings may be volatile.
10.3.3
Overseas investments are subject to currency risk. Exchange rate fluctuations between sterling and other currencies may increase or decrease the value of your investment, independent of the performance of the asset itself.
10.3.4
It is essential that you understand the risks involved when making an investment. In addition to the gInvestments in emerging markets present additional political, regulatory, and economic risks beyond those of other international investments. These investments may be subject to sudden declines in value, difficulty in selling, or government intervention.eneral risks outlined in our Terms and Personal Investment Report, the following are specific risks associated with different types of assets:

We are committed to acting in your best interests. However, there may be situations where conflicts of interest arise, either between us and our clients or among clients. In such cases, we will notify you and obtain your consent before proceeding with any relevant transactions. We will also outline the steps taken to ensure fair treatment.
Our compliance department is responsible for maintaining control structures and procedures to comply with all applicable laws, regulations, and industry standards. We will not knowingly act in a way that disadvantages our clients and will take reasonable measures to manage any conflicts of interest fairly.

In providing our services, we may receive certain minor non-monetary benefits, provided they enhance the quality of service we deliver, are proportionate, and do not impair our ability to act in your best interests. Such benefits may include:
- General or personalized information related to financial instruments or investment services.
- Written material commissioned by issuers to promote new securities offerings, where appropriately disclosed and made widely available.
- Participation in training events, conferences, and seminars about specific financial instruments or services.
- Modest hospitality provided during business meetings or industry events.
- Research received during an evaluation trial period, provided no payments are made during or after the trial, and certain conditions are met.

We are required by anti-money laundering regulations to verify your identity, assess the nature and purpose of our business relationship, and keep the information we hold up to date. To comply with these obligations, we use electronic identity verification systems at the start and throughout our engagement with you.
Your personal information may be shared with third-party agencies that operate identity verification services. Additionally, we will verify your bank account details, which may involve sharing personal and financial information with these third parties. Their services may compare your data against bank records, electoral roll information, UK Companies House data, bankruptcy and insolvency registers, and other publicly available sources.
We are unable to provide services to you until you have successfully passed our money laundering checks.

We are committed to providing our services with reasonable skill, care, and diligence in accordance with these terms. As long as we do so, we do not accept liability for any loss, including the loss of potential gains, that may arise from the execution of our services on your behalf.
We do not provide legal, tax, or accounting advice, nor do we accept liability in relation to these matters. Your tax treatment depends on your individual circumstances and may be subject to change.
Nothing in these terms limits or excludes our liability for fraud, death, or personal injury caused by our negligence or that of our employees.

We respect your statutory rights. After opening an account and agreeing to invest with us, you have the right to cancel your investment within specified cancellation provided in WK retail terms and conditions period by providing written notice to us.
If you exercise your right to cancel within this period, we will sell your investments and return the proceeds to you. We will process the sale within a reasonable time frame, subject to market conditions and external factors beyond our control.
If the value of your investment has declined, you may not receive the full amount originally invested. Additionally, you remain responsible for any costs incurred on your behalf in relation to the sale of your investments.

Either party may terminate the provision of services at any time without penalty. If you wish to terminate, you must provide written notice, and termination will take effect upon receipt of such notice.
Upon termination, unless otherwise agreed, we will sell your investments and return the proceeds to you. This will be done within a reasonable time, subject to market conditions and external factors beyond our control.
If you terminate a Stocks and Shares ISA by selling the investments within it, the tax-free status of the ISA will be lost.
If the value of your investments has fallen, you may not recover the full amount initially invested. Additionally, payments already made to us are non-refundable.

Transferring funds to us
When you make your first investment, we will confirm our instruction to you in writing, typically via email/yeeld app chat feature.
Transfers
Unless otherwise agreed in writing, all transfers into and out of your account will be in e-money, and payments must be made by direct debit or bank transfer.
Multiple Account Holders
If an account is held jointly by more than one individual, all account holders are jointly responsible for compliance with obligations, and each is fully liable for any breaches. Notices provided to one account holder will be deemed to be provided to all, and we may act on the instructions of any one account holder.
Deceased Account Holders
In the event of the account holder’s death, we will suspend taking instructions in relation to the estate, though we may continue managing the account in accordance with prior instructions. We reserve the right to make payments to HMRC in relation to inheritance tax. Further instructions will only be accepted upon receipt of a valid grant of representation from a court.
Assignment and Transfer of Rights
You may not assign or transfer any rights or responsibilities relating to your account.
Third-Party Rights
Unless explicitly agreed otherwise, no third party has any rights under this agreement to enforce its terms.
Entire Agreement
These terms along with Yeeld Connect terms and conditions represent the complete and final agreement between the parties, superseding any prior agreements or arrangements. Neither party has entered into this agreement based on representations or statements not expressly included within it. Any remedies for misrepresentation or breach are limited to breach of contract, except in cases of fraud or fraudulent misrepresentation.
Closing Comment
These Terms apply to all investments you make with us and provide information about the manner in which we deliver our services to you. Your account with us, as well as any matters or disputes related to these Terms, shall be governed by the laws of England and Wales and shall be subject to the exclusive jurisdiction of the courts of England and Wales. These Terms and all communications between us shall be in English.
If you have any questions or if any part of these Terms is unclear, please contact us at support@yeeld.com or call 02080505813. Unless we agree otherwise in writing, these Terms shall apply to all services we provide to you and any associated work.
General provisions & applicable law
Please refer to section 17 of the Yeeld Connect terms and conditions.

Yeeld Companion Investment Terms and Conditions