Terms and Conditions
TERMS AND CONDITIONS Last updated June 10, 2026
1. About Amoka and these Terms
These Terms and Conditions (“Terms”) govern your access to and use of the website at https://www.amoka.co.uk (the “Website”), and any services, content, and materials made available through it, operated by Amoka Limited (“Amoka”, “we”, “us”, or “our”). By accessing or using the Website you agree to these Terms, our Privacy Policy, and any other policies referenced here.
If you do not agree with any part of these Terms, please do not use the Website.
We may amend these Terms at any time. The version in force is the one accessible on the Website at the time you access it. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms. We will indicate the date of the most recent revision at the top of this document.
2. Who we are and how we are regulated
Amoka Limited is a UK real estate consultancy and design practice. We are registered in England and Wales.
2.1 Property Redress Scheme (PRS)
Amoka Limited is a member of the Property Redress Scheme, a UK Government-authorised consumer redress scheme. Clients with a complaint about our estate agency, lettings, or property management services that we have been unable to resolve directly may refer the matter to the Property Redress Scheme at theprs.co.uk.
2.2 Anti-Money-Laundering (AML)
UK estate agency businesses are supervised under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLR 2017”) by HM Revenue and Customs.
Amoka has submitted an application for HMRC AML supervision and continues normal business operations during the period the application is under review, consistent with HMRC guidance. Our internal AML policy, training, and procedures are in place. Where we act as estate agent on a transaction, customer due diligence (CDD) checks on the parties — including identity verification, proof of address, sanctions and PEP screening, and source of funds evidence — are conducted using Veriphy, our regulated CDD platform, and records are retained in line with MLR 2017 record-keeping requirements.
2.3 Data protection registration
Amoka Limited is registered with the UK Information Commissioner's Office (ICO), registration reference 00013132411. How we collect, use, and protect personal information is described in our Privacy Policy.
For off-plan property opportunities sourced through a master agent, CDD checks on the buyer are performed by the master agent and by the conveyancing solicitor instructed on the transaction. Amoka relies on those checks for the purposes of facilitating the introduction and does not independently verify the documents.
2.4 Estate agency regulation
Our estate agency work is conducted in accordance with the Estate Agents Act 1979, the Consumer Protection from Unfair Trading Regulations 2008, and the National Trading Standards Estate and Letting Agency Team (NTSELAT) guidance on material information. We commit to providing prospective buyers and tenants with material information about properties as required.
3. Eligibility
You must be at least 18 years old and have the legal capacity to enter into binding contracts to use the Website. By using the Website you represent and warrant that you meet these requirements.
If you are accessing the Website on behalf of a company, partnership, trust, or other legal entity, you represent that you have the authority to bind that entity to these Terms.
4. Nature of our services
4.1 Services we offer
Amoka provides a range of property and design services to UK and international clients. Our principal service lines are:
Off-plan property investment advisory: sourcing, evaluating, and supporting the acquisition of off-plan residential units for investor clients, including introductions to mortgage brokers, FX specialists, surveyors and solicitors.
Residential estate agency: marketing, sale, and acquisition of residential property in the UK on behalf of vendor and buyer clients.
Commercial estate agency: marketing, sale, and acquisition of commercial property and mixed-use developments on behalf of vendor and buyer clients.
Property management: ongoing management of let property on behalf of landlord clients, including tenant placement, rent collection, maintenance coordination, and statutory compliance.
Interior design: interior architecture and design services, including space planning, scheme design, specification of finishes and furnishings, supplier coordination, and project oversight.
The specific services Amoka will provide to a client, the fees payable, and the terms applicable to that engagement will be set out in a separate written engagement letter or service agreement between Amoka and the client. Where any provision in that engagement letter conflicts with these Website Terms, the engagement letter prevails.
Referral and introducer fees. Where we introduce you to a third-party professional, such as a mortgage broker, solicitor, surveyor, FX specialist, or accountant, we may receive a referral or introducer fee from that firm. We will disclose the existence of any such fee before you engage the firm, and the amount on request. You are never obliged to use a firm we introduce, and we encourage you to compare alternatives.
Third-party insurance products. Optional products referred to in our property management materials, such as rent and legal protection insurance, are provided and administered by third-party insurers and distributors, and are made available through our property management delivery partner. Amoka does not provide, underwrite, arrange, or advise on insurance. Any such product is subject to the provider's own terms, conditions, eligibility criteria, and regulatory disclosures, which the provider will supply before purchase.
4.2 Information purposes only
The Website provides general information about UK property investment opportunities, market analysis, our service offering, and related advisory matters. All content on the Website is provided for general information only and does not constitute financial, investment, legal, tax, regulated mortgage, or personalised design advice. It is not a personal recommendation.
4.3 No guarantee of outcomes
Property markets are inherently variable and forecasts are uncertain. We do not guarantee the accuracy, completeness, or current relevance of any information provided on the Website. We do not guarantee any specific investment outcomes, returns, rental yields, or property performance. Past performance is not indicative of future results.
4.4 Independent verification
You are responsible for conducting your own due diligence before making any investment, property purchase, or material design decision, and for taking independent professional advice from qualified advisors. We strongly recommend engaging an FCA-regulated mortgage adviser, a SRA-regulated solicitor, and an ICAEW or ACCA-qualified accountant before committing capital to a property transaction.
5. Off-plan property-specific risks
Where the Website features off-plan property opportunities, you should be aware of the specific risks associated with off-plan property investment. These include but are not limited to:
Deposit risk: deposits paid on exchange of contracts are typically held by the developer’s solicitor and may be at risk if the developer becomes insolvent before completion.
Completion risk: off-plan units are typically completed 18 to 36 months from reservation. Construction delays, planning issues, or developer financing problems can delay or prevent completion.
Valuation risk: lenders may down-value a property at the point of mortgage drawdown, requiring you to provide additional cash to bridge any gap between the agreed purchase price and the lender’s valuation.
Rental market risk: rental yields and occupancy depend on market conditions at the point of completion, which may differ materially from current projections.
Foreign exchange risk: where your capital is denominated in a currency other than GBP, exchange rate movements between deposit and completion may significantly affect the total cost of the investment.
Regulatory risk: UK property tax, lettings regulation, and immigration policy can change during the holding period and affect after-tax returns.
Any specific investment example, case study, or model returns figure shown on the Website or in materials we provide is illustrative only. Actual outcomes will depend on factors specific to your circumstances and to the market at the relevant time.
5.1 Off-plan delivery model and master agents
Amoka typically sources off-plan property by working with the master agent appointed by the developer for each specific development. A master agent is the organisation contracted by the developer to market that development to sub-agents and direct buyers. Amoka generally acts as a sub-agent of the master agent and does not hold a direct contractual relationship with the developer.
This delivery model means that for any off-plan transaction:
Reservation forms together with identity documents, proof of address, and source of funds evidence are shared with the master agent and onward with the developer’s solicitors, who carry out the CDD checks required by the Money Laundering Regulations 2017. Amoka does not independently verify these documents and relies on the master agent and the solicitor for that purpose.
Reservation deposits and exchange deposits are paid by you directly to the developer’s nominated solicitor (or to the master agent’s client account where applicable) and not to Amoka. Amoka does not handle client deposit money in respect of off-plan purchases.
Commission earned by Amoka on an off-plan sale is paid by the master agent or developer from the proceeds of the transaction and is not an additional cost to the buyer. We will disclose, on request, the commission position for any specific transaction.
Where the master agent or developer fails to perform (whether through delay, insolvency, or otherwise), Amoka’s role is limited to facilitating the introduction and supporting the client; we are not liable for the acts or omissions of the master agent, the developer, or the developer’s solicitors. Where appropriate, we will support the client in raising matters with the master agent or directly with the developer.
Different developments may have different master agents. The identity of the master agent for any specific opportunity will be disclosed to the client before reservation.
6. Estate agency services
6.1 Scope and engagement letter
Where Amoka acts as an estate agent for the sale, purchase, or letting of property, the specific terms of the engagement (including fees, term, instruction type, and obligations) will be set out in a separate written estate agency engagement letter. These Website Terms supplement, but do not replace, that engagement letter.
6.2 Material information disclosure
In line with NTSELAT guidance and the Consumer Protection from Unfair Trading Regulations 2008, we will provide prospective buyers and tenants with the material information about a property that we reasonably believe is required for them to make an informed decision. This includes tenure, council tax band, asking price, and any restrictive material information disclosed to us by the vendor.
6.3 Instruction types and conflicts
Estate agency engagements may be on a sole agency, sole selling rights, multi-agency, or joint sole agency basis. The basis on which we are instructed, and the implications for fees if a property is sold by another agent or directly by the vendor, will be set out clearly in the engagement letter. We will disclose any conflicts of interest known to us.
6.4 Buyer representation
Where we act for a buyer in identifying or acquiring property, we owe duties to that buyer client. Where we act for a vendor in marketing a property, we owe duties to the vendor. We do not act for both sides of the same transaction without disclosed and informed consent from both parties.
6.5 Property management instructions
Where Amoka is instructed to manage let property on behalf of a landlord, the management agreement will set out the scope of management services, fees, deposit handling arrangements, reporting cadence, and statutory obligations. Tenant deposits will be held in accordance with an approved UK tenancy deposit protection scheme.
Amoka may deliver some or all of its property management services through a back-office white-label partner who operates under the Amoka brand and under Amoka’s direction. This means that day-to-day management activity — including tenant communications, viewings, maintenance dispatch, statutory compliance certification (gas safety, electrical, EPC), deposit registration, and contractor coordination — may be performed by the partner under our oversight. The landlord client’s contracting counterparty in all cases is Amoka, and all queries, complaints, and communications should be directed to Amoka. The identity of the back-office partner is treated as commercially confidential.
6.6 Property portal listings and third-party providers
To list properties on major UK property portals (including but not limited to Rightmove, Zoopla, and OnTheMarket), we use third-party property portal providers and aggregators. At the date of these Terms our primary provider is 99 Homes (the99homes.co.uk), and we may add or change providers from time to time without prior notice.
Where we are instructed to market a property for sale or to let, the client agrees that we may share property details, photographs, floor plans, Energy Performance Certificates (EPCs), and other listing material with our chosen provider, and onward with the portals and their partner and syndication sites, for the purpose of marketing the property.
We do not control the user interface, search ranking, partner network, or accuracy of how a listing is displayed on any third-party portal. Listings may be syndicated to additional partner sites operated by the portals. Removal or withdrawal of a listing is subject to the technical processing times of the relevant provider and portals; while withdrawal is typically actioned within one to two working days, we do not guarantee specific timings.
Each portal and provider operates under its own terms of use and privacy policy in respect of the personal information of enquirers and end-users, and we are not responsible for their compliance with those terms. Information about how we handle the personal information involved in property listings is set out in our Privacy Policy.
6.7 Complaints process
If a client is dissatisfied with our estate agency or property management services, we ask that they raise the matter with us first in writing. If we are unable to resolve the complaint within twenty working days, the client may refer the complaint to the Property Redress Scheme at theprs.co.uk.
7. Interior design services
7.1 Scope and engagement letter
Where Amoka provides interior design services, the specific scope (design phases, deliverables, project timeline, fees, expenses, and approvals process) will be set out in a separate written design engagement letter. These Website Terms supplement, but do not replace, that engagement letter.
7.2 Design fees and payment
Design fees are payable in accordance with the schedule set out in the engagement letter. Fees may be structured as a fixed fee per project, a stage-based fee tied to design phase deliverables, a percentage of project value, an hourly rate, or a combination of the above. Out-of-pocket expenses (site travel, sample materials, third-party supplier deposits) are typically reimbursable in addition to fees and will be itemised.
7.3 Intellectual property in design work
All design concepts, drawings, mood boards, specifications, schedules, and other intellectual property created by Amoka in the course of a design engagement remain the property of Amoka until full payment of all fees and expenses due. On full payment, the client receives a non-exclusive, non-transferable licence to use the design materials for the specific property and project for which they were prepared. Re-use of design materials for any other property or project requires Amoka’s prior written consent and may attract additional fees.
Amoka retains the right to photograph completed design work and to feature it in our portfolio, marketing materials, social media, and case studies, unless the client opts out in writing in the engagement letter.
7.4 Variations and additional work
If the client requests changes to the agreed design scope after design work has commenced, additional fees will apply for the extra work. We will provide a written variation note setting out the change and the additional fee before commencing the variation. The client may decline the variation.
7.5 Third-party suppliers, materials, and lead times
Interior design projects routinely involve specifying products, finishes, and furnishings supplied by third-party manufacturers or vendors. Amoka does not warrant the availability, lead time, price, or quality of third-party products. Where a specified item is unavailable or has shifted in price, we will propose alternatives but the client bears the cost and timeline impact of supply-side changes.
Where Amoka procures items on behalf of the client, we will do so as the client’s agent and the client remains the contracting party with the supplier.
7.6 Site access and surveys
The client is responsible for ensuring Amoka has timely access to the property for measurement, site visits, and installation oversight. The client is also responsible for the structural condition of the property; Amoka’s design recommendations assume the property is structurally sound and compliant with applicable building regulations unless we have specifically been engaged to advise on those matters.
7.7 Construction and contracting works
Where the design project requires structural alterations, M&E works, or other building works, the client will engage appropriate building contractors directly under separate contracts. Amoka may recommend contractors but does not act as principal contractor unless expressly set out in the engagement letter.
8. User responsibilities and acceptable use
8.1 Accurate information
You agree to provide accurate, current, and complete information when interacting with the Website, our Meta lead forms, our newsletter subscription, our Calendly booking system, or any other touchpoint. You agree to update us if your contact details change.
8.2 Lawful use
You agree to use the Website only for lawful purposes and in compliance with all applicable UK laws and regulations, including but not limited to the Financial Services and Markets Act 2000, the UK General Data Protection Regulation, and the Money Laundering Regulations 2017.
8.3 Prohibited activities
You shall not, in connection with the Website:
Engage in fraudulent, misleading, or deceptive activities.
Attempt to gain unauthorised access to the Website, our systems, or any other user’s account.
Reproduce, duplicate, scrape, sell, or otherwise commercially exploit any content from the Website without our express written permission.
Transmit harmful code, malware, viruses, or other destructive materials.
Interfere with the normal operation of the Website, including by overloading our infrastructure.
Use the Website to send unsolicited communications or to harvest contact details for marketing purposes.
9. Intellectual property
9.1 Ownership
All content, logos, trademarks, graphics, photographs, design materials, case studies, and other materials on the Website are owned by or licensed to Amoka Limited and are protected by UK and international intellectual property laws.
9.2 Limited licence
Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable licence to access and view the Website for personal, non-commercial purposes only.
9.3 Restrictions
You may not copy, modify, distribute, republish, transmit, license, reverse-engineer, or create derivative works from any content on the Website without our prior written consent. The Amoka name and logo are trademarks of Amoka Limited.
9.4 Client design and project intellectual property
Intellectual property in design work created for clients is governed by the relevant engagement letter (see Section 7.3 above) and not by these Website Terms.
10. Limitation of liability
Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under English law.
Subject to the paragraph above, to the fullest extent permitted by law, Amoka Limited and its directors, officers, employees, and agents shall not be liable for:
Any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Website.
Any errors, omissions, or inaccuracies in the content provided on the Website.
Any investment decision, property transaction, or financial loss resulting from reliance on information provided on the Website.
Any third-party actions, services, or products linked to or referenced on the Website.
Loss of profits, business, revenue, opportunity, goodwill, or anticipated savings.
Where you engage us as a client under a separate written services agreement (estate agency engagement letter, design engagement letter, management agreement, or other), our liability under that agreement will be governed by its terms, which will prevail in the event of any conflict with these Website Terms.
10.1 Website availability
We do not guarantee that the Website will be available at all times, error-free, free of viruses, or compatible with every device or browser. We may suspend or withdraw the Website or any part of it without notice.
11. Indemnification
You agree to indemnify, defend, and hold harmless Amoka Limited, its affiliates, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of or in connection with:
Your use of the Website or the services.
Your breach of these Terms or of any applicable law.
Your investment decisions, property transactions, or actions you take based on information provided on the Website.
Any third-party claims resulting from your acts or omissions in connection with the Website.
This indemnification obligation survives the termination of your use of the Website and of these Terms.
12. Third-party links, services, and processors
The Website may contain links to third-party websites, services, or content. We are not responsible for the availability, accuracy, content, or practices of those third parties. Inclusion of a link does not imply endorsement. You access third-party sites and services at your own risk.
Where we use third-party service providers to deliver our services (including Zoho for CRM and marketing automation, Meta for lead capture and WhatsApp, Calendly for booking, Squarespace for the Website, and others), our use of those providers and their handling of your information is described in our Privacy Policy at amoka.co.uk/privacy.
13. Data protection and privacy
Our collection and processing of personal information is described in our Privacy Policy, which forms part of these Terms by reference. The Privacy Policy explains your rights under the UK General Data Protection Regulation, how you can exercise them, and how you can opt out of marketing communications including email, SMS, and WhatsApp.
By using the Website and by interacting with our forms, calls, and communications, you acknowledge that you have read and understood our Privacy Policy.
14. Termination
We reserve the right to suspend or terminate your access to the Website at any time, with or without notice, for any reason, including a suspected or actual breach of these Terms or of any applicable law.
Upon termination, your right to access the Website ceases immediately. Any provisions of these Terms which by their nature should survive termination (including limitation of liability, indemnity, intellectual property, and governing law) will continue in effect.
Termination of these Website Terms does not affect any separate engagement letter or service agreement between you and Amoka, which will continue to be governed by its own terms.
15. Governing law and jurisdiction
These Terms are governed by and construed in accordance with the laws of England and Wales.
Any dispute, claim, or matter arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
16. Miscellaneous
16.1 Entire agreement
These Terms, together with our Privacy Policy, any service-specific engagement letter, and any other policies referenced on the Website, constitute the entire agreement between you and Amoka regarding your use of the Website. They supersede any prior agreements or understandings on this subject matter.
16.2 Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect.
16.3 No waiver
Our failure to enforce any right or provision of these Terms shall not be construed as a waiver of that right or provision.
16.4 Assignment
We may assign our rights and obligations under these Terms to any successor entity. You may not assign your rights or obligations under these Terms without our prior written consent.
16.5 Notices
Notices to Amoka should be sent in writing to the contact addresses below. Notices to you may be sent to the email address you have provided to us.
17. Complaints and contact information
If you have a complaint about our services, please contact us first using the details below. We will acknowledge complaints within five working days and aim to resolve them within twenty working days.
If we are unable to resolve your complaint to your satisfaction, and the complaint relates to our estate agency, lettings, or property management services, you may refer the matter to the Property Redress Scheme at theprs.co.uk.
Amoka Limited
C/O Apex Accountancy
Office Suite 134, 4 Longwalk Road, Stockley Park, Uxbridge, England, UB11 1FE
Email: info@amoka.co.uk
Phone: 020 8432 4697
For questions specifically about these Terms, you may also contact our Director, Sawan Ruparel MRICS, at sawan.ruparel@amoka.co.uk.
By using the Website you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.