Terms of Service

1. Who you are contracting with

This website and the Luxivest service are operated by To be confirmed: legal name, incorporated in To be confirmed: jurisdiction under company number To be confirmed: company number, with its registered office at To be confirmed: registered office.

References to "we", "us", "our" and "Luxivest" mean that company. References to "you" mean the individual who registers for an account.

Our current regulatory position is set out in full on the Legal and Regulatory Position page. Please read it before you register. If we do not hold a financial services licence, you are not protected by the rules or compensation schemes that apply to licensed firms.

2. What the service is

Luxivest operates as To be confirmed: confirmed business model. The precise nature of the service determines what legal duties we owe you, so we state it plainly rather than leaving it to inference.

The service includes an online account, published information about investment plans, market data drawn from public sources, educational material, portfolio reporting, and downloadable statements.

3. What the service is not

• We do not give personal investment advice. Nothing on this site is a recommendation that a particular investment is suitable for you.
• We do not give tax, legal or accounting advice. Statements we produce are not tax advice.
• We do not guarantee any return, any income, or the return of your capital.
• We are not a bank. Money held with us is not a bank deposit and does not earn interest as a deposit.
• Figures described as estimates are estimates. They are modelled, not promised, and the actual outcome may be materially worse.

4. Eligibility

You must be at least 18 years old and legally able to enter into a contract. You must not be resident in, or acting on behalf of a person in, a country we do not serve, and you must not appear on any applicable sanctions list.

The Eligibility and Restricted Countries page lists where the service is offered. We may refuse or close an account that does not meet these conditions.

5. Your account

• You must give accurate information when you register and keep it up to date.
• You must complete identity verification before you can withdraw funds.
• You are responsible for keeping your password and email account secure. Two-factor verification codes are sent to your registered email address.
• You must not share your account, and you must not let anyone else operate it.
• Tell us immediately if you believe your account has been accessed without your permission.

6. Deposits, investments and withdrawals

Deposits, withdrawals, limits, processing times, review steps and the circumstances in which a payment can be held are set out in the Deposit and Withdrawal Policy. Fees are set out in the Fees and Charges document. Both form part of these terms.

An instruction to invest is an instruction to allocate your balance to a plan on the terms published for that plan at the time. Plan terms, including the exit conditions, are shown before you confirm.

7. Who holds your assets

The custody arrangement, including who receives your money, whether it is held separately from our own assets, and who has authority to trade it, is set out in the Custody and Asset Ownership document. This is one of the most important things to understand before depositing, and we ask you to read it in full.

8. Risk

Cryptoassets are volatile and largely unregulated. You can lose some or all of the money you put in. The Investment Risk Disclosure sets out the risks in detail and forms part of these terms. By registering you confirm you have read it.

9. Our liability

Nothing in these terms limits liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot lawfully be limited.

Subject to that, we are not liable for investment losses arising from market movements, for losses caused by your failure to keep your credentials secure, or for losses caused by events outside our reasonable control such as blockchain network failures or third-party outages.

Our total liability to you in any twelve-month period is limited to To be confirmed: liability cap.

10. Suspension and termination

You may close your account at any time by following the process in the Deposit and Withdrawal Policy.

We may suspend or close an account where we are required to by law, where identity verification cannot be completed, where we reasonably suspect fraud or money laundering, or where these terms have been broken. Where we are permitted to tell you why, we will.

If we cease to operate, the wind-down arrangements in the Custody and Asset Ownership document apply.

11. Changes to these terms

We may change these terms. Where a change is to your disadvantage we will give you To be confirmed: notice period for term changes notice by email before it takes effect, and you may close your account without penalty during that period.

12. Complaints and governing law

If something goes wrong, the Complaints Procedure explains how to raise it and how long we take to respond.

These terms are governed by the law of To be confirmed: governing law, and the courts of To be confirmed: jurisdiction for disputes have exclusive jurisdiction.