Terms and conditions.

1. Agreement

By subscribing to any Jones Croft mandate, the client agrees to be bound by these terms together with the subscription agreement, the risk disclosure and the privacy policy. Together these documents form the agreement between the client and Jones Croft Capital Management Ltd (“Jones Croft”, “the firm”).

2. Structure and strategy

2.1 Pooled mandates

The firm operates a set of pooled mandates. Capital from clients subscribing to the same mandate is combined and managed as a single portfolio. Each client holds a proportional share based on amount contributed and the date of contribution.

2.2 Strategy

The strategy is rules-based and multi-asset, trading across index futures, commodities, foreign-exchange pairs and digital assets. The firm holds trading authority only — it cannot withdraw client capital. All withdrawals require the client’s explicit authorisation through the dashboard.

2.3 Available mandates

• Adult: Core Growth (1-year, £5,000), Enhanced Compounding (3-year, £7,500), Strategic Long-Term (5-year, £10,000), Legacy Compounding (10-year, £15,000).
• Junior bare-trust: Junior Growth (1-year, £2,500), Junior Future Fund (5-year, £2,500).

Each mandate has its own lock-up period, dealing-window schedule and notice period, set out in the subscription agreement and on the accounts page. Fee tier is determined by total client capital across all mandates held.

3. Subscription

3.1 Application

Prospective clients complete the online application, including a short suitability questionnaire and identity verification. Acceptance is at the firm’s discretion.

3.2 Know-your-customer

All clients must complete KYC verification and provide required documentation: proof of identity, proof of address, and source-of- funds information. Additional information may be required to meet anti-money-laundering obligations.

3.3 Capital transfer

On acceptance, capital is transferred by UK bank transfer, SEPA transfer, or wire transfer to the designated segregated account. Capital must be transferred from a bank account in the client’s own name.

4. Fees

4.1 Management fees

Management fees are charged as a percentage of capital under management. The applicable schedule depends on the client’s fee tier and is set out in the subscription agreement. Fees may be changed with thirty days’ notice.

4.2 Performance fees

Performance fees are charged on net profits above a high-water mark. The specific structure depends on the client’s fee tier and is set out in the subscription agreement. Performance fees are calculated after deduction of management fees and other expenses.

4.3 Other expenses

The mandates bear broker commissions, audit costs and necessary administrative expenses. These are allocated proportionally across participating clients.

5. Redemptions

5.1 Lock-up

Each mandate has a contractual minimum term during which routine redemptions are not permitted. Exceptional early exits may be considered case by case, at the firm’s discretion and subject to available liquidity.

5.2 Post-term dealing

After the lock-up, redemptions are processed during designated dealing windows (quarterly, semi-annual or annual, depending on the mandate). Legacy Compounding uses a staggered exit schedule set out in the subscription agreement.

5.3 Notice and NAV

Written notice is required for all redemptions. Notice periods range from sixty days for shorter mandates to 120 days or more for Legacy Compounding. Redemptions are processed at the applicable net asset value on the dealing date.

5.4 Suspension and gates

In exceptional market conditions, the firm may implement redemption gates or temporary suspensions to protect the interests of all clients. Such measures are rare, time-limited, and communicated promptly.

6. Reporting

6.1 Monthly statements

Monthly statements are issued on the first business day of each month, showing the return for the period, cumulative return since inception, and a short written note from the firm.

6.2 Dashboard

Clients have access to a live dashboard showing current balance, open positions, transaction history and signed documents.

6.3 Annual

Audited annual statements are issued for tax-filing purposes.

7. Client representations

By subscribing, the client represents and warrants that:

• They have the legal capacity to enter into this agreement.
• They have read and understood the risk disclosure.
• They can afford the complete loss of the capital subscribed.
• Their capital is lawfully sourced and complies with AML requirements.
• They have obtained independent financial and tax advice where appropriate.
• All information provided is accurate and complete.

8. Limitation of liability

8.1 No guarantees

The firm makes no guarantee as to investment performance, returns or capital preservation. Historical performance does not indicate future results. Monthly objectives are targets, not guarantees.

8.2 Limits

The firm’s liability is limited to the fullest extent permitted by law. It is not liable for losses arising from market movements, force-majeure events, technology failures or actions of third parties beyond its reasonable control.

9. Termination

9.1 By the client

A client may terminate the relationship by submitting a full redemption request in accordance with clause 5. Capital will be returned at the applicable NAV after deduction of fees and expenses.

9.2 By the firm

The firm may terminate the relationship if the client breaches these terms, provides false information, or engages in activity inconsistent with AML rules.

9.3 Fund closure

The firm reserves the right to close any mandate with at least ninety days’ notice. In such circumstances, capital will be returned proportionally after settlement of positions and expenses.

10. Governing law and complaints

10.1 Governing law

These terms are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the courts of England and Wales.

10.2 Complaints

Complaints should be submitted in writing to complaints@jonescroft.com. The firm acknowledges complaints within five business days and aims to resolve them within eight weeks.

11. Amendments

The firm may amend these terms with at least thirty days’ notice. Material changes will be communicated by email. Continued subscription after the notice period constitutes acceptance of the amended terms.

12. Contact