Your Capital is at Risk, investment is not covered by the Financial Services Compensation Scheme (FSCS) and interest payments are not guaranteed. In the event of a loan default or if Fluid becomes insolvent, you may lose some or all of your investment, including interest payments due. If you are in any doubt about making an investment you are strongly recommended to consult a trained professional advisor. Before you subscribe to the bond you should ensure that you fully understand the risks and determine whether the bond is suitable for you on the basis of all the information available, including the Information Memorandum.

Can Fluid and/or the ISA manager change the Terms and Conditions?

The terms and conditions are agreed once you have received the Information Memorandum and have signed-up for your ISA. These will not change for the term you hold your bond.