Last Updated: July 2025

1. Introduction

These Terms of Service (“Terms”) govern your use of services provided by Lux Living Solutions, a property investment consultancy operated by Sandra Reid (“we”, “us”, “our”). By engaging our services, you (“Client”, “you”, “your”) agree to be bound by these Terms.

2. Services Provided

2.1 Core Services

We provide the following services:

• Property sourcing and identification
• Investment strategy consultation
• Property due diligence and market analysis
• Purchase negotiation and transaction support
• Refurbishment project management
• Buy-to-Let (BTL) and Buy-Refurbish-Refinance (BRR) strategy implementation
• Property flip project coordination
• Cash property purchase services
• Introduction to trusted professionals (mortgage brokers, solicitors, contractors)

2.2 Services Not Provided

We do not provide:

• Regulated financial advice (FCA regulated services)
• Mortgage advice or lending
• Legal services
• Tax advice
• Property management services (unless specifically agreed)
• Guarantees of investment returns

3. Client Responsibilities

3.1 Information Provision

You must provide:

• Accurate and complete information about your financial situation
• Clear investment objectives and risk tolerance
• Prompt responses to requests for information or documentation
• Honest disclosure of any relevant circumstances

3.2 Due Diligence

You are responsible for:

• Conducting independent due diligence on all investment opportunities
• Obtaining independent professional advice (financial, legal, tax)
• Ensuring compliance with all applicable laws and regulations
• Arranging appropriate insurance coverage

3.3 Decision Making

All investment decisions remain your sole responsibility. We provide guidance and recommendations, but you make the final decisions regarding any property investments.

4. Fees and Payment Terms

4.1 Service Fees

Fees will be clearly communicated before engagement and may include:

• Sourcing fees
• Project management fees
• Consultation fees
• Success fees (where applicable)

4.2 Payment Terms

• Fees are payable as agreed in your specific service agreement
• Payment is due within 30 days of invoice unless otherwise specified
• Late payments may incur interest charges at 8% per annum above Bank of England base rate
• All fees are exclusive of VAT where applicable

4.3 Refunds

Fees paid for services already provided are non-refundable. Refunds for services not yet provided will be considered on a case-by-case basis.

5. Property Transactions

5.1 Property Sourcing

• We will use reasonable endeavours to source suitable properties
• Property availability cannot be guaranteed
• Multiple clients may be presented with the same opportunity
• Properties are subject to contract and survey

5.2 Purchase Process

• All property purchases are subject to satisfactory survey and legal completion
• We cannot guarantee completion of any transaction
• Exchange and completion dates are estimates and may change
• You remain liable for all costs incurred during the purchase process

6. Refurbishment and Construction

6.1 Project Management

• We will manage refurbishment projects with reasonable skill and care
• Cost estimates are provided in good faith but may vary
• Timescales are estimates and may be subject to change
• Additional costs may arise from unforeseen circumstances

6.2 Contractors and Suppliers

• We work with trusted contractors but cannot guarantee their performance
• You may be required to enter into direct contracts with suppliers
• We are not liable for contractor delays or defective work

7. Limitation of Liability

7.1 General Limitations

Our liability is limited to the fees paid for our services in the 12 months preceding the claim. We exclude liability for:

• Consequential or indirect losses
• Loss of profits or rental income
• Market fluctuations or property value changes
• Third-party actions or omissions

7.2 Exceptions

Nothing in these Terms limits our liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Breach of statutory duties that cannot be excluded

8. Confidentiality

8.1 Mutual Confidentiality

Both parties agree to maintain confidentiality of sensitive information shared during the business relationship.

8.2 Data Protection

We process personal data in accordance with UK GDPR. Please refer to our Privacy Policy for details.

9. Intellectual Property

9.1 Our Materials

All reports, analyses, and materials provided remain our intellectual property. You may use them for your investment decisions but may not reproduce or distribute them without permission.

9.2 Your Information

You retain ownership of information you provide to us.

10. Termination

10.1 Termination Rights

Either party may terminate the relationship with 30 days’ written notice, subject to completion of ongoing transactions.

10.2 Effect of Termination

• Outstanding fees remain payable
• Confidentiality obligations survive termination
• Ongoing property transactions may continue to completion

11. Complaints and Disputes

11.1 Complaints Procedure

If you have a complaint:

1. Contact us in writing at info@luxlivingsolutions.co.uk
2. We will acknowledge within 5 working days
3. We aim to resolve complaints within 28 days

11.2 Dispute Resolution

Disputes will be resolved through:

1. Direct negotiation
2. Mediation through Centre for Effective Dispute Resolution (CEDR)
3. Court proceedings in England and Wales as a last resort

12. General Terms

12.1 Entire Agreement

These Terms, together with any specific service agreements, constitute the entire agreement between the parties.

12.2 Amendments

We may update these Terms from time to time. Changes will be notified via our website and email.

12.3 Severability

If any provision is found to be unenforceable, the remaining provisions shall continue in full force.

12.4 Governing Law

These Terms are governed by English law and subject to the jurisdiction of the English courts.

13. Contact Information

Lux Living Solutions
Sandra Reid  

Email: info@luxlivingsolutions.co.uk  
Phone: +44 3333 399 178  
Mobile: +44 7807 802 288

By engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.