Terms and Conditions of Service

VAULTFY AI TRADING CO LTD (hereinafter referred to as "Vaultfy AI Trading," "We," "Us," or "Our"), trading as VAULTFY.AI LIMITED (Company No. 17156633), with its registered office at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ, provides a proprietary FinTech infrastructure platform and ultra-luxury concierge orchestration service (the "Service") to Ultra-High-Net-Worth (UHNW) and High-Net-Worth (HNW) individuals and their associated entities (the "Client" or "You").

These Terms and Conditions ("Terms") constitute a legally binding, non-negotiable agreement between You and VAULTFY AI TRADING CO LTD. By accessing, using, or attempting to use the Service, You unequivocally agree to be bound by these Terms in their entirety. If You do not agree to these Terms, You must not access or use the Service.

1. Acceptance of Terms and Service Description

1.1. Unconditional Acceptance

Your access to or use of the Service signifies your unconditional acceptance of these Terms. You affirm that you are at least 18 years of age, possess the full legal capacity to enter into this agreement, and are not a Prohibited Person (as defined in Section 2.2).

1.2. Service Description: Orchestration and Agency

The VAULTFY.AI Service is a sophisticated technology platform that provides:

• Proprietary AI Orchestration: Access to Our proprietary artificial intelligence system, ALFRED AI, for automated, multi-lingual (12+ languages) concierge and booking orchestration services.
• Card Payment Rails: Facilitation of high-value transactions in fiat currency (e.g., GBP, USD, EUR) via secure third-party card payment processors.
• Luxury Asset Orchestration: Arrangement of bookings for private aviation, ultra-luxury accommodation, bespoke yacht charters, exclusive events, and other highly curated services ("Luxury Assets") through independent third-party suppliers.
• B2B White-Label Infrastructure: Provision of the Service as a white-label solution to institutional partners (e.g., Private Banks, Family Offices) for their exclusive clientele.

1.3. VAULTFY.AI's Role: Exclusive Agent and Technology Provider

Crucial Distinction: For the procurement of Luxury Assets, VAULTFY.AI acts solely and exclusively as an Agent for the Client, orchestrating and arranging services provided by independent third-party suppliers (e.g., private jet operators, luxury hotels, yacht charter companies, event organizers). VAULTFY.AI does not own, operate, control, or provide any of the underlying Luxury Assets. Your contract for the actual supply of the Luxury Asset is solely and directly with the respective third-party supplier. VAULTFY.AI's liability is strictly limited to the provision of its technology orchestration service.

2. Client Eligibility, KYC/AML, and Prohibited Persons

2.1. Strict Eligibility and Invitation-Only Access

Access to the Service is strictly by invitation only and is exclusively reserved for UHNW/HNW individuals and their associated entities who meet VAULTFY.AI's stringent eligibility criteria. VAULTFY.AI reserves the absolute right to approve, deny, suspend, or terminate any application or access to the Service at its sole and unfettered discretion, without providing any reason.

2.2. Mandatory Know Your Customer (KYC) and Anti-Money Laundering (AML)

You agree to comply with all mandatory KYC and AML procedures, including enhanced due diligence, required by VAULTFY.AI, its financial partners, and relevant regulatory bodies. This includes, but is not limited to, providing valid government-issued identification, proof of address, and comprehensive source of funds documentation. Failure to comply fully and promptly will result in immediate and permanent suspension or termination of your account and access to the Service, with no liability to VAULTFY.AI.

2.3. Prohibited Persons

The Service is not available to, and may not be used by, any individual or entity:

• Located in, under the control of, or a national or resident of any country to which the United Kingdom, United States, or European Union has embargoed goods or services.
• Identified on any list of prohibited or restricted parties, including but not limited to the UK HM Treasury Sanctions List, the US Treasury Department's Specially Designated Nationals List, or the EU Consolidated Financial Sanctions List.
• Who is a politically exposed person (PEP) without explicit, prior written approval from VAULTFY.AI.

3. Financial and Payment Terms

3.1. Card Payment Rails and Finality

VAULTFY.AI facilitates payments via integrated third-party card payment processors. All transactions are subject to the terms and conditions of these third-party processors. All payments, once processed, are final and non-reversible by VAULTFY.AI.

3.2. Service Fees and Commissions

VAULTFY.AI charges a non-refundable service fee or commission for its orchestration services, which may be included in the final price quoted for the Luxury Asset or charged separately. All applicable fees will be clearly disclosed prior to final confirmation of the booking. These fees are for VAULTFY.AI's technology and agency services and are distinct from the cost of the Luxury Asset itself.

4. Booking, Cancellation, and Financial Protection

4.1. Booking Confirmation and Supplier Terms

A booking is only confirmed once VAULTFY.AI has received full payment (or a non-refundable deposit) and the third-party supplier has issued a final, binding confirmation. All bookings are subject to the specific terms and conditions, including cancellation, refund, and amendment policies, of the individual third-party supplier. You are solely responsible for reviewing and understanding these supplier terms.

4.2. Cancellation and Refunds: Supplier's Discretion

Cancellation and refund policies are governed entirely by the terms and conditions of the third-party supplier. VAULTFY.AI will use commercially reasonable efforts to assist You in communicating with the supplier regarding any cancellation or refund request, but We are not liable for the supplier's refusal to refund, for any associated fees, or for any delays in processing.

4.3. Financial Protection (UK Clients): Limited Scope

For Clients based in the United Kingdom, VAULTFY.AI will ensure compliance with the Package Travel and Linked Travel Arrangements Regulations 2018 for any non-flight packages We organize as Principal. This includes providing financial protection through an approved bonding or insurance scheme only for the specific components where VAULTFY.AI acts as Principal. For all other services, including private aviation where VAULTFY.AI acts as Agent, no such financial protection is provided by VAULTFY.AI.

5. Intellectual Property and Proprietary Technology

5.1. Exclusive Ownership

All intellectual property rights in the Service, including but not limited to ALFRED AI, the hybrid payment rails, the platform's code, algorithms, design, branding, trademarks, and all underlying technology, are the exclusive and sole property of VAULTFY AI TRADING CO LTD (trading as VAULTFY.AI LIMITED). No rights are transferred to You other than the limited license to use the Service as expressly provided herein.

5.2. Limited, Non-Transferable License

VAULTFY.AI grants You a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service strictly for your personal or business procurement needs, subject to these Terms. Any unauthorized reproduction, distribution, modification, or creation of derivative works based on the Service is strictly prohibited.

6. Absolute Limitation of Liability and Indemnification

6.1. No Liability for Third-Party Suppliers or Force Majeure

VAULTFY.AI is not liable for any act, error, omission, injury, loss, accident, delay, inconvenience, or damage caused by any third-party supplier (e.g., private jet operator, hotel, yacht charter, event organizer, payment processor, blockchain network). Your sole and exclusive recourse for any such issues is directly against the relevant third-party supplier. Furthermore, VAULTFY.AI shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, strikes, network outages, blockchain forks, smart contract vulnerabilities, or regulatory changes (collectively, "Force Majeure Events").

6.2. Maximum Limitation of Liability

To the maximum extent permitted by applicable law, VAULTFY.AI's total aggregate liability to You for any and all claims arising out of or relating to these Terms or the Service, regardless of the form of action, shall be strictly limited to the total amount of service fees actually paid by You directly to VAULTFY.AI (excluding any amounts paid to third-party suppliers) in the twelve (12) months immediately preceding the event giving rise to the claim. In no event shall VAULTFY.AI be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, revenue, data, or goodwill, even if advised of the possibility of such damages.

6.3. Indemnification

You agree to indemnify, defend, and hold harmless VAULTFY.AI, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or in any way connected with:

• Your access to or use of the Service.
• Your breach of these Terms.
• Your violation of any applicable law or the rights of a third party.
• Any dispute or issue between You and a third-party supplier.

7. Governing Law, Jurisdiction, and Dispute Resolution

7.1. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.

7.2. Mandatory Good Faith Negotiation

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall first be submitted to mandatory good faith negotiation between You and VAULTFY.AI. Both parties shall use their best efforts to resolve the dispute amicably within thirty (30) days of written notification of the dispute.

7.3. Exclusive Jurisdiction

If the dispute cannot be resolved through good faith negotiation, You agree that any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of England and Wales. You hereby irrevocably consent to the exclusive jurisdiction and venue of such courts.

8. Miscellaneous Provisions

8.1. Entire Agreement

These Terms, together with the Privacy Policy and Security Policy, constitute the entire agreement between You and VAULTFY.AI concerning the Service and supersede all prior or contemporaneous communications, whether electronic, oral, or written.

8.2. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

8.3. No Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision.

8.4. Amendments

VAULTFY.AI reserves the right to amend these Terms at any time by posting the revised Terms on its website. Your continued use of the Service after the effective date of any such amendments constitutes your acceptance of the revised Terms.

9. Contact Information

For any questions regarding these Terms, please contact us at: