Legal notice

This website is published and operated by Mosaic Group LLC (“Mosaic Group”, “Mosaic”, “we”, “us”). Mosaic Group LLC is a limited liability company organised under the laws of [state of formation, for example Delaware, United States], with its registered office at [registered office address] and company or registration number [registration number]. Its principal place of business is [principal office address].

References to Mosaic Group mean Mosaic Group LLC and, where relevant, the vehicles and affiliates that Mosaic Group LLC controls for individual programs. Each program sits in a separate vehicle with its own documentation and its own collateral.

You can reach the Mosaic Group team on [telephone number] or at admin@mosaic-group.co.

This website is for information purposes only. It does not constitute an offer to sell or a solicitation of an offer to buy any security, fund interest, note or other financial product in any jurisdiction, and no securities are offered or sold through it.

Where Mosaic Group makes capital available, any binding commitment arises only under definitive documents executed by the relevant parties, after approval, and in accordance with applicable law. Nothing on this website is an offer of financing, an agreement to lend or invest, or a representation that any facility will be approved.

Descriptions of strategies, structures, processes and program terms are indicative, may change, and are subject to final documentation.

Nothing on this website is legal, tax, accounting, regulatory, investment or other professional advice, and nothing should be relied on as such. Mosaic Group does not act as your adviser, fiduciary or agent by reason of your use of this website or your submission of an enquiry.

You are responsible for your own decisions and for taking independent advice on the suitability, legal permissibility, accounting treatment and tax consequences of any transaction you are considering.

Mosaic Group LLC [state regulatory status, for example “is not authorised or regulated by any financial services regulator” or “is authorised by … (firm reference number …)”].

Where a service is offered under an authorisation, registration or licence, that permission is held by the entity named at the top of this page and covers only the activities and jurisdictions listed in it. Nothing on this website should be read as the offer of a regulated service in a jurisdiction where Mosaic Group is not permitted to provide it.

Mosaic Group is not a bank and does not accept deposits.

Information about investment programs relates to opportunities that may be available only to accredited, professional or institutional investors under the rules of their own jurisdiction. Mosaic Group does not assess your status on your behalf.

The enquiry form asks investors to confirm their eligibility. That confirmation is a representation by you, not a determination by Mosaic Group. We may ask for supporting evidence, decline to proceed, or withdraw information if we are not satisfied.

Figures and firm names shown on this website describe businesses with which founding partners were associated before Mosaic Group was formed, and activity at those firms. They do not represent Mosaic Group’s performance, they are not a track record of Mosaic Group, and they are not indicative of future results.

Prior firm names appear as plain text for background only. Their use does not imply any endorsement, affiliation, sponsorship or approval by those firms, and Mosaic Group has no control over their current activities.

Any facility or investment depends on matters that are outside the scope of this website, including:

• underwriting of the assets, the repayment source and the obligors, and satisfaction of Mosaic Group’s investment committee

• documentary and legal diligence, including enforceability, perfection of security or assignment, and control of collections

• know your customer, anti money laundering, sanctions and beneficial ownership checks on all parties

• tax, regulatory and licensing requirements in each relevant jurisdiction

• execution of definitive documentation and the conditions in it, including reserves and covenants

Mosaic Group may decline an enquiry, change the terms it is prepared to offer, or stop a discussion at any time and is under no obligation to respond to any submission.

Mosaic Group’s programs currently start at US$10 million. Enquiries for smaller facilities are recorded so that Mosaic Group can contact the sender if that changes, and are not routed to capital partners or origination partners.

Recording an enquiry creates no obligation on either party. A sender can ask for those details to be removed at any time, as described in the privacy policy.

This website links to third-party pages, including the LinkedIn profiles of individual partners. Mosaic Group does not control those pages and is not responsible for their content, availability, privacy practices or accuracy.

Links are provided for convenience. They are not an endorsement of the third party or of any statement made by it.

The Mosaic Group name, logo and mark, and the text, layout, design and data on this website, are owned by Mosaic Group LLC or used under licence. You may view and print pages for your own internal, non-commercial reference, provided you keep all notices intact and do not alter the content.

You may not reproduce, publish, distribute or adapt any part of this website, or use the Mosaic Group name, logo or mark, without Mosaic Group LLC’s prior written permission. The mark may not be modified, distorted or used in a way that suggests any affiliation, approval or endorsement.

Mosaic Group takes reasonable care to keep this website accurate and current, but makes no representation or warranty, express or implied, about completeness, accuracy or reliability, and information may become out of date.

The website is provided on an “as is” and “as available” basis. Mosaic Group does not warrant that access will be uninterrupted or error free, that defects will be corrected, or that the site or the systems behind it are free of viruses or other harmful components.

To the fullest extent permitted by law, Mosaic Group LLC excludes all liability for loss or damage arising from your use of, or inability to use, this website, including indirect, incidental, special, consequential or punitive loss, and loss of profit, revenue, data or business opportunity, even if Mosaic Group has been advised of the possibility of such loss.

Nothing in this notice excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.

Mosaic Group will never ask you to send payment, or to change bank account details, by email, text message or social media. Payment instructions, where they arise, are given only in definitive documentation or through a verified channel agreed with you.

Always check the full sender address before acting on a message, and treat unsolicited approaches that reference Mosaic Group with caution. If you receive a suspicious message, do not open attachments or follow links, and report it to admin@mosaic-group.co.

If you have a concern about this website or about how Mosaic Group has handled your information, write to admin@mosaic-group.co with “Complaint” in the subject line. Mosaic Group aims to acknowledge a complaint within 2 business days and to respond substantively within [number of days, for example 15 or 30 calendar days].

If a complaint cannot be resolved, [state whether an alternative dispute resolution body, financial ombuds service or regulator is available to the complainant, and on what terms, or confirm that none applies].

This notice, and your use of this website, are governed by the laws of [governing law, for example the State of Delaware, United States], excluding its conflict of laws rules. The courts of [forum, for example Delaware] have exclusive jurisdiction over any dispute, except where mandatory local law gives a consumer or other protected party the right to bring proceedings elsewhere.

Mosaic Group may revise this notice at any time. The version and date at the top of the page show when it was last updated, and the version published on the website applies to your use of it at that time.