Terms & Conditions

1. Agreement to Terms

By accessing or using Luxury Assets Index ("the Platform", "we", "us", "our") at luxuryassetsindex.com, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, you must not use the Platform.

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

2. Who We Are

Luxury Assets Index is operated by Brett Hibble trading as Luxury Assets Index, based in England and Wales. Company registration number: [To be completed upon incorporation]. Email: admin@luxuryassetsindex.com

3. The Service

Luxury Assets Index provides a digital platform for:

• Documenting, organising, and tracking luxury asset collections
• AI-generated analysis and market intelligence on luxury assets
• Sharing verified asset data with authorised third parties (insurers, advisors, family offices)
• Dealer and pawnbroker stolen-asset verification
• Family office consolidated portfolio management

4. Eligibility

You must be at least 18 years old to use this Platform. By using the Platform you confirm you meet this requirement and have the legal capacity to enter into a binding agreement.

5. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorised access at admin@luxuryassetsindex.com.

You agree to provide accurate and complete information when creating your account and to keep it up to date.

6. Acceptable Use

You agree not to use the Platform to:

• Upload false, misleading, or fraudulent asset information
• Facilitate money laundering, fraud, or any illegal activity
• Upload content that infringes the intellectual property rights of others
• Attempt to gain unauthorised access to any part of the Platform or its infrastructure
• Interfere with or disrupt the Platform or its servers
• Scrape, copy, or extract data from the Platform without authorisation
• Use the Platform in any way that violates applicable laws or regulations

We reserve the right to suspend or terminate accounts that violate these provisions without notice.

7. Your Content

You retain ownership of all content you upload to the Platform, including asset details, photographs, and documents ("Your Content").

By uploading Your Content, you grant us a limited, non-exclusive licence to store, process, and display Your Content solely for the purpose of providing the service to you.

You are solely responsible for ensuring that Your Content is accurate, lawfully obtained, and does not infringe any third-party rights.

8. AI-Generated Content

The Platform uses AI services to generate asset analysis, market commentary, and recommendations. You acknowledge that:

• AI-generated content is for informational purposes only
• It does not constitute financial, insurance, legal, or valuation advice
• AI analysis may contain errors or inaccuracies
• You should seek professional advice before making financial or insurance decisions
• We are not liable for decisions made in reliance on AI-generated content

9. Third-Party Access & Permissions

The Platform allows you to grant access to your vault data to third parties (insurers, family offices, dealers). You acknowledge that:

• You are solely responsible for managing and reviewing access permissions
• We are not responsible for how authorised third parties use data you share with them
• You should ensure any access you grant complies with applicable data protection laws
• We act only as a conduit for data sharing — not as a party to any agreement between you and third parties

10. Stolen Asset Reporting

The stolen asset register on the Platform is for informational purposes only. You acknowledge that:

• Reporting an item as stolen on the Platform does not constitute an official police report
• You must report theft directly to the police (101 or 999) to obtain a valid crime reference number
• The Platform is not liable for any loss arising from reliance on the stolen register
• Submitting false stolen reports is a misuse of the Platform and may be reported to authorities

11. Subscriptions & Payments

Paid subscriptions are billed monthly or annually as stated at the time of purchase. Prices are in GBP and inclusive of any applicable VAT.

Subscription fees are non-refundable except where required by law. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.

We reserve the right to change pricing with 30 days' notice. Continued use after the notice period constitutes acceptance of the new pricing.

Note: Payment processing is not yet live. This clause will be updated when a payment provider is integrated.

12. Intellectual Property

The Platform, its design, software, branding, and all content created by us (excluding Your Content) are owned by or licensed to Luxury Assets Index and protected by intellectual property law. You may not copy, reproduce, or distribute any part of the Platform without our prior written consent.

"Luxury Assets Index", "Luxury Index Score™", and associated marks are trading names of Luxury Assets Index. All rights reserved.

13. Disclaimers

14. Limitation of Liability

To the maximum extent permitted by law, Luxury Assets Index shall not be liable for any:

• Loss of profits, revenue, data, or business opportunities
• Indirect, consequential, incidental, or special damages
• Loss arising from reliance on AI-generated content or market data
• Loss arising from data shared with third parties you have authorised
• Loss arising from inaccuracies in the stolen asset register

Our total liability to you for any claim arising from use of the Platform shall not exceed the total subscription fees paid by you in the 12 months preceding the claim.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

15. Indemnity

You agree to indemnify and hold harmless Luxury Assets Index from any claims, losses, damages, or expenses (including legal costs) arising from your breach of these Terms, your use of the Platform, or Your Content.

16. Termination

We may suspend or terminate your account at any time if we believe you have breached these Terms, engaged in fraudulent or illegal activity, or for any other reason at our reasonable discretion with notice where practicable.

You may close your account at any time by contacting us. Upon closure, your data will be handled in accordance with our Privacy Policy.

17. Changes to These Terms

We may update these Terms from time to time. Significant changes will be communicated by email or prominent notice on the Platform at least 14 days before taking effect. Continued use after the effective date constitutes acceptance.

18. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.