Terms and Conditions

1. Definitions

In these Terms and Conditions, the following words have the meanings set out below.

“AssetIQ”, “we”, “us” or “our” means AssetIQ Advanced Limited, a company registered in Scotland under company number SC903987, whose registered office is at 20 The Foundry, Glasgow, G41 1BN.

“App” means the AssetIQ website, application, platform and associated software through which the Services are provided.

“Services” means the services and features made available by AssetIQ from time to time, including property investment analysis, property and area data, portfolio analysis, automated calculations, reports and consultations.

“Customer”, “you” or “your” means the individual or legal entity accessing or purchasing the Services.

“Subscription” means a recurring paid subscription providing access to specified AssetIQ features for the applicable subscription period.

“Subscription Plan” means the particular AssetIQ subscription package selected by the Customer, including its features, usage limits and price.

“Property” means a residential or other property analysed, monitored, sourced or otherwise entered into AssetIQ.

“Property Data” means information relating to a Property, including purchase price, rental income, mortgage assumptions, expenses, location information, property characteristics and other information entered by the Customer or obtained from third-party sources.

“Portfolio Data” means information relating to properties owned, managed or intended to be acquired by a Customer and entered into or generated within AssetIQ.

“Investment Score” means an automated analytical score or classification generated by AssetIQ using specified inputs, assumptions, data and methodology.

“Deal Verdict” means an automated classification such as “Strong”, “Consider” or “Pass”, or any replacement or equivalent classification introduced by AssetIQ.

“Consultation” means a paid consultation service provided by or on behalf of AssetIQ, currently offered at a stated fee of £50 unless otherwise specified at the time of booking.

“Third-Party Data” means information obtained from external data providers, public authorities, government services, APIs, commercial data providers or other third parties.

“Content” means information, text, graphics, reports, calculations, software, methodology, data presentations, educational material and other material made available through AssetIQ.

“Terms” means these Terms and Conditions and any additional terms expressly incorporated into them.

2. About AssetIQ

AssetIQ is a property investment analysis and information platform designed to help users analyse, compare and monitor potential and existing UK property investments.

Depending on the Subscription Plan and additional services selected, AssetIQ may provide features including:

• property investment analysis
• property filtering and comparison
• rental yield calculations
• cash-flow calculations
• investment and return projections
• cost and financing calculations
• Investment Scores and Deal Verdicts
• indicative lending and Interest Coverage Ratio calculations
• property and regional information
• risk and assumption analysis
• portfolio management and performance analysis
• downloadable reports and PDFs
• automated or AI-assisted features
• paid property investment consultations

The features available to you will depend on the Subscription Plan and/or additional services you purchase.

AssetIQ may add, remove, modify or replace features from time to time, subject to these Terms and applicable law.

3. What AssetIQ is — and is not

3.1 AssetIQ is an analytical tool

AssetIQ is designed to assist users in researching and analysing property investments.

The Services provide information, calculations and analytical outputs which may assist you in making your own decisions.

You remain responsible for deciding whether to purchase, sell, retain, refinance or otherwise transact in relation to any Property.

You should obtain appropriate independent professional advice before making material financial, legal, tax, mortgage, property or investment decisions.

3.2 What AssetIQ is not

Unless expressly stated otherwise and legally authorised to do so, AssetIQ is not:

• a financial adviser
• an investment adviser
• a mortgage adviser or mortgage broker
• a tax adviser or accountant
• a solicitor or legal adviser
• a surveyor
• a property valuer
• an estate agent
• an insurer
• a lender
• a provider of regulated financial advice

AssetIQ does not replace the services of appropriately qualified and authorised professionals.

Where AssetIQ provides information relating to mortgages, lending, taxation, legal matters, property values, rental income or investment returns, that information is provided for general informational and analytical purposes only and should be independently verified.

3.3 No personal investment recommendation

AssetIQ's calculations, Investment Scores, Deal Verdicts, rankings, comparisons, risk indicators, projections and other outputs are automated or rules-based analytical outputs based on information, assumptions, methodology and data available to the platform at the relevant time.

They do not constitute a personal recommendation to purchase, sell, retain, refinance or otherwise transact in relation to a particular Property.

For example:

• a “Strong” Deal Verdict does not mean AssetIQ recommends purchasing the Property
• a “Consider” Deal Verdict does not mean the Property is suitable for you
• a “Pass” Deal Verdict does not mean the Property is necessarily unsuitable or incapable of producing a return
• a higher Investment Score does not mean a Property is guaranteed to outperform another Property

The methodology, thresholds and classifications used by AssetIQ may change as the Services develop.

3.4 Your own decisions

You are responsible for carrying out appropriate due diligence before entering into any property transaction.

This may include obtaining independent advice or verification from appropriately qualified professionals, including:

• a solicitor or conveyancer
• accountant or tax adviser
• mortgage broker or lender
• RICS-qualified surveyor or other appropriate surveyor
• property valuer
• insurance provider
• letting or property management professional
• another appropriately qualified professional

AssetIQ does not guarantee that the information available through the platform is sufficient for you to make a particular investment decision.

4. Eligibility and account creation

4.1 Age requirement

You must be at least 18 years old to create an AssetIQ account or purchase the Services.

4.2 Account information

You agree to provide accurate, complete and current information when creating an account and to keep that information updated.

4.3 Account security

You are responsible for keeping your login credentials secure and confidential.

You must not knowingly allow another person to use your account where your Subscription Plan does not permit account sharing.

You must notify AssetIQ promptly if you believe that your account has been accessed without your permission.

4.4 Account responsibility

You are responsible for activity carried out through your account unless you have notified AssetIQ of unauthorised access and AssetIQ has had a reasonable opportunity to respond.

5. Subscriptions

5.1 Subscription plans

AssetIQ may offer multiple Subscription Plans.

Each plan may provide different features, usage limits, data access, reports, portfolio functionality or other benefits.

The applicable features and price will be displayed before you purchase a Subscription.

5.2 Free trial

AssetIQ may offer a free trial period before a Subscription begins to be charged, currently 7 days, as displayed at the time you select a Subscription Plan.

To start a free trial, you must provide valid payment details. No payment will be taken from you during the trial period itself.

Unless you cancel before the trial period ends, your Subscription will automatically begin at the end of the trial and the applicable Subscription fee will be charged to your payment method.

AssetIQ will send you a reminder email before your trial ends and you are charged, so that you can cancel beforehand if you do not wish to continue.

AssetIQ may change the length of a free trial, or stop offering free trials, at any time in relation to new Subscriptions. This will not affect a free trial you have already started.

5.3 Subscription period

Subscriptions may be offered on a monthly, annual or other recurring basis as stated at the time of purchase.

Your Subscription will renew automatically at the end of each Subscription period unless cancelled in accordance with these Terms.

5.4 Payment

You agree to pay the applicable Subscription fee displayed at the time of purchase, or, where a free trial applies, at the time your free trial converts to a paid Subscription.

Payments may be processed through a third-party payment provider.

AssetIQ does not ordinarily receive or store your complete payment-card details where payment processing is handled by a third-party payment provider.

5.5 Automatic renewal

Unless otherwise stated, your Subscription will automatically renew for the same Subscription period unless you cancel before the renewal date.

The applicable renewal price will be communicated in accordance with applicable law.

5.6 Price changes

AssetIQ may change Subscription prices from time to time.

Where a price change affects an existing recurring Subscription, AssetIQ will provide appropriate notice and, where required, obtain any necessary acceptance before applying the new price.

5.7 Failed payments

If a payment fails, AssetIQ may attempt to collect the outstanding payment again through the applicable payment provider.

AssetIQ may restrict or suspend access to paid features where payment remains outstanding, subject to applicable law.

5.8 Promotional pricing

Where promotional pricing, discounts or introductory offers are provided, any specific conditions applying to the offer will be displayed at the time of purchase.

Unless expressly stated otherwise, promotional pricing does not permanently change the standard Subscription price.

6. Cancellation and refunds

6.1 Cancelling a Subscription

You may cancel your Subscription at any time, including during a free trial, using the cancellation method made available by AssetIQ.

Cancelling during a free trial means you will not be charged at all.

Unless otherwise stated, cancelling after your free trial has converted to a paid Subscription will prevent the next renewal payment from being taken, but does not by itself refund a payment already taken, except as set out in clause 6.2 below.

6.2 Refund after your free trial converts to a paid Subscription

Where your free trial converts into a paid Subscription and you are charged for the first time, you may cancel within 14 days of that first charge and receive a full refund of that charge.

To receive this refund, you must cancel your Subscription within that 14-day period using the cancellation method made available by AssetIQ. Cancelling within this window will also end your access to the Subscription immediately, rather than at the end of the period you were charged for.

This 14-day right applies once, to the first payment taken when a free trial converts to a paid Subscription. It does not apply to any later, recurring renewal payment.

This right is in addition to, and does not replace or limit, any other cancellation or refund right you may have under applicable law.

6.3 Consumer cancellation rights

Where applicable law gives you a statutory right to cancel a contract, those rights are not affected by these Terms.

Where the Services are supplied digitally, certain statutory rules may apply to the timing of supply and cancellation rights.

Where you expressly request that digital Services begin during an applicable cancellation period, you may lose or limit certain cancellation rights where the law permits this and the applicable requirements have been satisfied.

6.4 Other refunds

Outside of the 14-day right described in clause 6.2, refunds will be provided where required by applicable law or where AssetIQ expressly agrees to provide a refund.

Nothing in these Terms is intended to remove or restrict any mandatory consumer rights.

6.5 Account termination by AssetIQ

Where AssetIQ terminates or suspends your account due to your material breach of these Terms, fraud, misuse, non-payment or unlawful activity, AssetIQ may refuse or limit refunds (including under clause 6.2) to the extent permitted by law.

7. Property analysis

7.1 General analysis

AssetIQ may provide calculations and analysis relating to individual Properties. These may include:

• gross yield
• net yield
• cash flow
• mortgage costs
• operating costs
• projected capital growth
• estimated returns
• equity calculations
• tax-related estimates
• financing calculations
• risk indicators
• other analytical outputs

7.2 User assumptions

Many calculations depend on information and assumptions entered by you. These may include:

• purchase price
• deposit
• mortgage amount
• interest rate
• rental income
• service charges
• ground rent
• insurance
• maintenance costs
• management fees
• void assumptions
• tax assumptions
• expected capital growth
• financing assumptions
• other Property Data

You are responsible for considering whether the assumptions used are appropriate.

7.3 Estimates

Calculations are estimates and analytical outputs rather than guarantees of actual financial results.

Changing an input, assumption, data source or methodology may materially change the resulting analysis.

8. Investment Score and Deal Verdicts

The Investment Score and Deal Verdict system is intended to help users compare Properties against defined financial, property and analytical criteria.

The Score and Deal Verdict may consider factors such as:

• yield
• projected cash flow
• purchase price
• financing assumptions
• projected returns
• property characteristics
• location information
• risk factors
• other inputs or criteria used by AssetIQ

The exact methodology may be changed, updated or improved by AssetIQ.

The Investment Score and Deal Verdict:

• are not financial advice
• are not a professional valuation
• are not a guarantee of performance
• are not a guarantee that a Property is suitable for you
• do not guarantee mortgage availability
• do not guarantee rental income
• do not guarantee capital appreciation
• should not be interpreted as an instruction to buy or avoid a Property

A Property receiving a favourable score may still perform poorly, while a Property receiving an unfavourable score may subsequently perform well.

9. Lending and affordability information

AssetIQ may provide an indicative Interest Coverage Ratio or other lending-related calculations.

These calculations are designed to estimate whether a Property may satisfy criteria commonly associated with certain UK buy-to-let lending approaches. They are indicative only.

AssetIQ does not represent that:

• a particular lender will accept an application
• a particular lender uses the same calculation
• a mortgage will be approved
• a particular interest rate will be available
• a particular loan amount will be available
• a Property that passes an AssetIQ calculation will qualify for finance

A Property passing an AssetIQ affordability check is not an offer, promise or indication that any lender will provide finance.

A Property failing an AssetIQ check does not mean that no lender could provide finance.

You should obtain confirmation from an appropriately authorised mortgage broker or lender before relying on lending assumptions.

10. Third-party data

AssetIQ may use data from third-party sources, including public authorities, government open-data services, APIs and other providers. Such sources may include, where applicable:

• HM Land Registry
• Postcodes.io
• Police.uk
• planning.data.gov.uk
• other third-party providers introduced or removed from the platform over time

Third-party information may be:

• incomplete
• delayed
• inaccurate
• unavailable
• subject to changes in methodology
• subject to geographical limitations
• subject to licensing restrictions

AssetIQ does not guarantee the accuracy or completeness of Third-Party Data.

Third-party sources may change their availability, coverage, methodology or licensing terms. AssetIQ may therefore change, replace or discontinue a data source where reasonably necessary.

You should independently verify material information before relying upon it.

Where applicable, third-party information may be reproduced under the relevant licence, including the Open Government Licence.

11. Regional and area data

Crime statistics, planning information, price trends, rental information and other regional indicators may relate to a geographical area, postcode or defined radius rather than an individual Property.

The presence of a Property within an area associated with a particular statistic does not necessarily mean that the statistic applies directly to that Property.

Likewise, a Property just outside an area covered by a dataset may be affected by circumstances not represented within the displayed data.

Area information is intended to provide contextual information and should not be treated as a complete assessment of an individual Property or neighbourhood.

12. AI and automated features

AssetIQ may provide automated, algorithmic or AI-assisted features.

These features may generate responses, summaries, classifications, explanations or other outputs based on information available to the platform.

Automated outputs may contain errors, omissions or inaccuracies.

You should not rely solely on an automated output when making a material financial, legal, tax, mortgage or property decision.

Automated or AI-assisted outputs do not constitute professional advice or a personal investment recommendation.

AssetIQ may change the technology or methodology used to provide automated features without changing the underlying purpose of the Service.

13. Consultations

13.1 Consultation service

AssetIQ may offer paid property investment consultations.

The current standard Consultation fee is £50, unless another price is displayed at the time of booking.

13.2 Nature of consultation

A Consultation is a general discussion of property investment strategy, numbers and approach. It is educational and informational in nature.

A Consultation does not constitute, and will not include:

• regulated financial advice
• personal investment advice
• mortgage advice, including any recommendation of a specific mortgage product, lender or interest rate
• a recommendation to buy, sell, or otherwise transact in any specific property or financial product
• legal advice
• tax advice
• surveying advice
• valuation advice
• a guarantee that a particular investment, property or course of action is suitable for you

AssetIQ is not authorised or regulated by the Financial Conduct Authority. If you need advice on a specific regulated product, such as a mortgage, investment or insurance product, you should seek that advice separately from a professional who is authorised to give it.

You should not treat anything discussed in a Consultation as a substitute for your own independent research, or for advice from a qualified, independent, regulated professional (such as a financial adviser, mortgage broker, solicitor, accountant or surveyor) before making any investment, financial or legal decision.

Any decision you make following a Consultation remains entirely your own, and is made at your own risk. AssetIQ accepts no responsibility for decisions made in reliance on a Consultation.

13.3 Customer information

The quality and usefulness of a Consultation may depend upon information supplied by you.

You are responsible for ensuring that information you provide is reasonably accurate and complete.

13.4 No guaranteed outcome

AssetIQ does not guarantee that a Consultation will result in:

• the identification of a profitable investment
• mortgage approval
• a particular investment return
• successful acquisition of a Property
• successful sale of a Property
• any other particular financial outcome

13.5 Cancellation and rescheduling

The cancellation and rescheduling terms applicable to a Consultation will be displayed at the time of booking.

Where a Consultation is cancelled sufficiently in advance, AssetIQ may offer a refund or rescheduling option in accordance with its applicable policy.

Where a Customer fails to attend or cancels with insufficient notice, any applicable refund will be subject to the cancellation policy and applicable consumer law.

14. Third-party services and referrals

AssetIQ may introduce or provide links to third-party service providers, which may include:

• mortgage brokers
• lenders
• solicitors
• accountants
• tax advisers
• letting agents
• property managers
• surveyors
• insurers
• other property-related service providers

Third-party providers operate independently of AssetIQ unless expressly stated otherwise.

AssetIQ does not guarantee the services, suitability, availability, pricing or performance of any third-party provider.

Where AssetIQ receives a commission, referral fee or other commercial benefit from a third-party introduction, AssetIQ will make any disclosure required by applicable law.

You remain responsible for deciding whether to use a third-party provider.

15. Reports and PDFs

AssetIQ may allow Customers to generate downloadable reports and PDFs.

Reports are snapshots of the information and assumptions available at the time they are generated.

A report does not automatically update when:

• your inputs change
• third-party data changes
• legislation changes
• lending criteria change
• AssetIQ's methodology changes

You should not assume that an older report represents the current position of a Property.

Reports carry the same limitations and disclaimers as the underlying AssetIQ Services.

16. Portfolio data

Customers may use AssetIQ to record, analyse and monitor information relating to their property portfolios.

You remain responsible for the accuracy of information entered into the platform.

AssetIQ may process Portfolio Data to provide the Services in accordance with its Privacy Policy.

AssetIQ does not guarantee that portfolio calculations or performance information will reflect the actual financial position of your portfolio in every circumstance.

Where appropriate, you should reconcile AssetIQ information against your own financial, mortgage, rental and accounting records.

17. Customer data

You retain your rights in information that you submit to AssetIQ, subject to the rights necessary for AssetIQ to provide the Services.

You grant AssetIQ the limited rights reasonably necessary to:

• store your information
• process your information
• display your information to you
• generate calculations and reports
• provide the Services
• maintain, secure and improve the platform where permitted by applicable law

AssetIQ will process personal data in accordance with its separate Privacy Policy.

Where AssetIQ intends to use aggregated or anonymised information for analytics, benchmarking, research or product development, this will be handled in accordance with applicable data protection requirements.

18. Intellectual property

All intellectual property rights in AssetIQ remain owned by AssetIQ or its licensors unless expressly stated otherwise. This includes, where applicable:

• the AssetIQ brand
• trademarks
• logos
• software
• source code
• platform design
• algorithms
• Investment Score methodology
• calculations
• reports
• templates
• graphics
• written Content
• databases
• systems
• underlying technology

Your Subscription gives you a limited, non-exclusive, non-transferable right to use the Services for their intended purpose during your Subscription period.

You must not, unless expressly authorised by AssetIQ:

• copy the platform
• reproduce AssetIQ's proprietary methodology
• reverse engineer the Services
• scrape or systematically extract data
• resell access
• commercially redistribute Content
• reproduce AssetIQ reports for commercial resale
• create a competing service using AssetIQ's proprietary materials

Nothing in these Terms transfers ownership of AssetIQ's intellectual property to you.

19. Acceptable use

You agree not to use AssetIQ:

• for unlawful purposes
• to access another user's account or information
• to attempt to bypass security controls
• to interfere with the operation of the platform
• to introduce malicious software
• to scrape or systematically extract data without permission
• to resell or redistribute access without permission
• to impersonate another person
• to upload information that you do not have the right to use
• in any way that materially harms AssetIQ or its users

AssetIQ may investigate suspected misuse and take appropriate action.

20. Service availability and changes

AssetIQ aims to provide reliable Services but does not guarantee that the platform will always be:

• available
• uninterrupted
• error-free
• compatible with every device
• free from technical issues
• available through every third-party data source

The Service may be temporarily unavailable because of:

• maintenance
• upgrades
• technical problems
• security incidents
• third-party outages
• API failures
• infrastructure failures
• circumstances outside AssetIQ's reasonable control
• legal or regulatory requirements

AssetIQ may modify, improve, replace or discontinue features from time to time.

Where a change materially affects a paid Service, AssetIQ will take reasonable steps to communicate the change and comply with applicable consumer rights.

21. Suspension and termination

AssetIQ may suspend or terminate an account where reasonably necessary because of:

• serious or repeated breach of these Terms
• non-payment
• fraud
• suspected unlawful activity
• attempts to compromise the platform
• misuse of the Services
• unauthorised redistribution
• security concerns
• other circumstances where continued access would create a material risk to AssetIQ or its users

Where reasonably practicable, AssetIQ will provide notice and an opportunity to resolve the issue.

Where an account is terminated, your right to access paid Services may end.

Any rights or obligations which by their nature should continue after termination will remain effective.

22. No guarantee of accuracy

AssetIQ aims to provide useful and accurate information but does not guarantee that all information, calculations, data or outputs will be complete, current or error-free. Information may contain:

• errors
• omissions
• outdated information
• incomplete information
• incorrect third-party information
• technical errors
• assumptions that no longer reflect current circumstances

Tax rules, stamp duty thresholds, mortgage criteria, planning requirements, property regulations and other relevant laws and policies may change.

AssetIQ may not immediately reflect such changes.

You should independently verify material information with the appropriate professional, authority, lender or data provider before relying upon it.

23. No guarantee of investment performance

Property values can fall as well as rise.

Rental income is not guaranteed and may be affected by:

• void periods
• tenant arrears
• repairs
• maintenance
• changes in legislation
• changes in taxation
• changes in financing costs
• changes in rental demand
• changes in property values
• other market or property-specific circumstances

Rental yields, capital growth, cash flow, equity and return projections are estimates based on assumptions.

They are not guarantees or forecasts of actual performance. Past performance does not guarantee future performance.

You may lose some or all of the money invested in a Property.

24. Limitation of liability

AssetIQ provides analytical information and software tools rather than a guarantee of investment outcomes.

To the fullest extent permitted by law, AssetIQ will not be responsible for losses arising from decisions made by a Customer based on information, calculations, assumptions, scores, reports or other outputs available through the Services. This may include, to the extent legally permitted:

• investment losses
• loss of expected rental income
• loss of capital
• loss arising from inaccurate Property Data
• losses arising from third-party information
• losses arising from incorrect assumptions
• losses arising from lending decisions
• loss of profits
• loss of opportunity
• loss of data
• losses arising from third-party services

Nothing in these Terms excludes or limits liability which cannot legally be excluded or limited.

This includes, where applicable, liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or other liability that applicable law does not permit AssetIQ to exclude or limit.

Nothing in these Terms affects your mandatory statutory rights as a consumer.

25. Third-party websites and services

AssetIQ may contain links, integrations or references to third-party websites and services.

AssetIQ does not control those third parties and is not responsible for:

• their content
• availability
• security
• privacy practices
• accuracy
• products or services
• performance

Your use of third-party services may be subject to separate terms and privacy policies.

26. Complaints

If you have a complaint about AssetIQ or the Services, you should contact us using:

Email: contact@assetiq.business

Post: AssetIQ Advanced Limited, 20 The Foundry, Glasgow, G41 1BN

Please provide sufficient information to allow us to understand and investigate your complaint.

AssetIQ will aim to acknowledge and investigate complaints within a reasonable period.

Where a complaint relates to a third-party service provider, AssetIQ may refer you to the relevant provider where appropriate.

27. Changes to these Terms

AssetIQ may update these Terms from time to time to reflect:

• changes to the Services
• new features
• changes in law
• regulatory requirements
• security requirements
• changes to our business
• other reasonable operational requirements

Where a change is material, AssetIQ will take reasonable steps to notify you and, where required, obtain your acceptance.

Where a change is non-material, continued use of the Services after the updated Terms become effective may constitute acceptance, where legally permitted.

The latest version of these Terms will be made available through AssetIQ.

28. Communications, privacy and data protection

30.1 Service notifications

We will send you messages that are necessary to provide the Services. These include confirming your account, security and sign-in notices, changes to these Terms or our Privacy Policy, reminders you have set up, and updates about any consultation request you make. Once paid subscriptions are offered, they will also include billing and renewal notices.

These are not marketing. Because they are part of the Services, you cannot opt out of essential account, security and legal notices while you have an account, so please keep your email address up to date. Service notifications will not be used to promote other products or services.

30.2 Alerts and reminders you choose

Some notifications depend on choices you make in the App, such as reminders you set for a property or price alerts for areas you track. You can switch these off at any time using the link in the message or, where available, in your account settings.

30.3 Marketing emails

We will only send you marketing emails — for example news about new features, market updates, and information about our consultation services — if you have separately opted in to receive them.

Agreeing to these Terms is not agreeing to marketing, and you do not need to opt in to marketing to use AssetIQ. If you do opt in, we keep a record of when and how you did so.

You can withdraw your consent at any time, free of charge, using the unsubscribe link in any marketing email or, where available, in your account settings. We will stop sending marketing emails promptly once you do, and withdrawing consent does not affect your access to the Services.

We will not pass your email address to other companies so that they can send you their own marketing.

30.4 Privacy and data protection

How we collect and use your personal information, including for notifications and marketing, is explained in our separate Privacy Policy, available at assetiq.business/privacy, on the sign-in screen and from within the App. It also explains your rights, including the right to object to marketing and the right to complain to the Information Commissioner’s Office. The Privacy Policy explains:

• what information AssetIQ collects
• how information is used
• the legal bases for processing
• third-party processors
• data retention
• data security
• user rights
• cookies and similar technologies
• how users can contact AssetIQ about personal data

The Privacy Policy is a separate notice explaining how we use personal information under data protection law.

29. Entire agreement

These Terms, together with any applicable Subscription details, Consultation terms, Privacy Policy and other terms expressly incorporated into them, form the agreement between you and AssetIQ relating to the Services.

If there is a conflict between these Terms and a specific service agreement or order relating to a particular Service, the specific terms will take precedence to the extent of the conflict.

30. Severability

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision will be treated as modified or removed to the minimum extent necessary.

The remaining provisions will continue to apply.

31. No waiver

If AssetIQ does not immediately enforce a right under these Terms, this does not mean that AssetIQ has waived that right.

32. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales.

Where you are resident in Scotland or Northern Ireland, mandatory consumer protection laws of that jurisdiction continue to apply notwithstanding this clause, and nothing in these Terms restricts your ability to rely on those protections or bring proceedings in your own jurisdiction where the law entitles you to do so.

Subject to any mandatory consumer rights, disputes relating to these Terms or the Services will be subject to the courts of England and Wales.

Nothing in this section prevents a consumer from relying on mandatory rights or bringing proceedings in another jurisdiction where applicable law gives them that right.

33. Contact details

If you have questions about these Terms or AssetIQ, please contact:

AssetIQ Advanced Limited

Company number: SC903987 (registered in Scotland)

Registered office: 20 The Foundry, Glasgow, G41 1BN

Email: contact@assetiq.business

Website: assetiq.business

Important information

AssetIQ is designed to provide property investment analysis and information.

It does not guarantee investment performance, property values, rental income, financing, tax outcomes or any other financial result.

You are responsible for your own investment decisions and should obtain independent professional advice where appropriate.

These Terms are intended to explain the contractual basis on which AssetIQ provides its Services. They should be read alongside AssetIQ's Privacy Policy and any specific terms applying to individual Services.