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Privacy Policies

Terms of Service

Last updated: March 4th, 2026

These Terms of Service (“Terms”) govern your access to and use of the website www.luxabacus.com and any services provided by Lux Abacus.

By accessing this website or engaging with our services, you agree to comply with and be bound by these Terms.

If you do not agree with these Terms, you should not use this website or our services.


1. Company Information

The website www.luxabacus.com is operated by:

Lux Abacus, SL (NRT L-722001-V)

C/ Ciutat de Consuegra, num. 10, 1-3

AD500 Andorra la Vella

Andorra

Email: admin@luxabacus.com

Lux Abacus operates as a strategic real estate advisory firm providing guidance, property sourcing support, financing coordination, and relocation assistance related to real estate investments.


2. Nature of Services

Lux Abacus provides advisory and informational services related to real estate investments.

Our services may include:

  • Strategic investment guidance
  • Property sourcing assistance
  • Introductions to real estate brokers or developers
  • Mortgage and financing coordination
  • Relocation and lifestyle advisory

Lux Abacus does not act as the direct seller, developer, lender, or legal representative in real estate transactions unless explicitly stated.

All final purchase decisions and agreements are made directly between clients and third-party providers such as developers, brokers, lenders, or legal advisors.


3. No Investment or Legal Advice

Information provided on this website or through Lux Abacus communications is for general informational purposes only.

Nothing on this website should be interpreted as:

  • Financial advice
  • Legal advice
  • Tax advice
  • Investment guarantees

Users should consult qualified professionals before making investment decisions.

Real estate investments involve risk and market conditions may change.


4. Accuracy of Information

Lux Abacus makes reasonable efforts to ensure that information presented on this website is accurate and up to date.

However, we do not guarantee that:

  • Property prices
  • Availability
  • Payment plans
  • Investment projections
  • Market information

are always current or complete.

Developers, brokers, and financial institutions may change terms at any time without notice.

Users should independently verify all information before making decisions.


5. Third-Party Services

Lux Abacus may introduce clients to third-party providers including:

  • Real estate developers
  • Real estate brokers
  • mortgage providers
  • relocation services
  • legal or tax advisors

These third parties operate independently.

Lux Abacus is not responsible for the actions, services, or performance of third-party providers.

Any contractual relationship entered into with third parties is solely between the client and the third party.

Lux Abacus may record phone calls and store communications conducted through messaging platforms, including WhatsApp and email, for quality assurance, training, service improvement and compliance purposes. By contacting Lux Abacus through these channels, you consent to such recording and processing as described in the Privacy Policy.


6. Website Use

Users agree to use this website only for lawful purposes.

Users must not:

  • Attempt to gain unauthorized access to the website
  • Interfere with the website’s operation or security
  • Use the website to distribute malicious software
  • Copy or reproduce website content without permission

Lux Abacus reserves the right to restrict access to the website for users who violate these Terms.


7. Non-Discrimination and Fair Housing Commitment

Lux Abacus is committed to conducting its activities in a manner consistent with principles of fairness, equality and non-discrimination.

We support international standards promoting equal access to housing and real estate opportunities. Lux Abacus does not discriminate against any individual on the basis of:

  • race
  • ethnicity
  • nationality
  • religion
  • gender
  • disability
  • family status
  • sexual orientation
  • or any other protected characteristic

Lux Abacus operates as an advisory firm and works with licensed real estate professionals and developers in multiple jurisdictions. We expect all partners and collaborators to conduct their activities in accordance with applicable local laws and internationally recognized principles of non-discrimination.

All clients are treated with equal professionalism, respect and integrity regardless of background or personal characteristics.

8. Intellectual Property

All content on this website, including:

  • text
  • branding
  • logos
  • graphics
  • design
  • images
  • written analysis

is the property of Lux Abacus, SL unless otherwise stated.

Content may not be reproduced, distributed, or used for commercial purposes without prior written consent.


9. Limitation of Liability

To the fullest extent permitted by law, Lux Abacus shall not be liable for:

  • investment losses
  • property market fluctuations
  • changes in developer terms or pricing
  • actions or omissions of third-party providers
  • indirect or consequential damages arising from website use

Users accept that all investment decisions are made at their own discretion and risk.


10. Confidentiality

Lux Abacus treats client communications and inquiries with discretion.

However, information submitted through website forms or communications should not be considered legally privileged.

Please avoid transmitting highly sensitive financial or legal information through unsecured channels.


11. External Links

This website may contain links to external websites operated by third parties.

Lux Abacus is not responsible for the content, policies, or practices of those websites.

Users access third-party websites at their own risk.


12. Changes to These Terms

Lux Abacus may update these Terms of Service at any time to reflect operational, legal, or regulatory changes.

The most current version will always be available on this page.

Continued use of the website after updates constitutes acceptance of the revised Terms.


13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Principality of Andorra.

Any disputes arising from the use of this website or services shall be subject to the jurisdiction of the courts of Andorra.


14. Contact

For questions regarding these Terms of Service, please contact:

Lux Abacus, SL (NRT L-722001-V)

C/ Ciutat de Consuegra, num. 10, 1-3

AD500 Andorra la Vella

Andorra

Email: admin@luxabacus.com

Website: https://www.luxabacus.com