Last Updated: 1 November 2024 | Effective Date: 1 November 2024
These terms govern your use of Little Brick Capital's services. Please read them carefully before investing. By using our services, you agree to be bound by these terms.
Non-Regulated Investment
Little Brick Capital Limited is not authorised or regulated by the Financial Conduct Authority (FCA). LEGO set investments are unregulated collective investment schemes and are not covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS).
Investment Risk Warning
The value of LEGO sets can go down as well as up. Past performance is not a reliable indicator of future results. You may not get back the amount you invest. This investment is only suitable for investors who understand and can bear these risks.
No Financial Advice
We do not provide financial, investment, tax, or legal advice. Information provided is for educational purposes only. You should seek independent professional advice before making any investment decision.
By accessing or using the services of Little Brick Capital Limited ("Company", "we", "us", "our"), you agree to be bound by these Terms of Use ("Terms"). If you disagree with any part of these terms, you may not access our services.
These Terms constitute a legally binding agreement between you and Little Brick Capital Limited, a company registered in England and Wales.
To use our services, you must:
We reserve the right to refuse service to anyone for any lawful reason at any time.
Little Brick Capital provides:
You retain full legal and beneficial ownership of all LEGO sets purchased on your behalf. We act solely as your agent for sourcing, storing, and managing your collection. You may request physical delivery of your sets at any time, subject to shipping costs.
We do not:
A 5% setup fee is charged on the total invested capital. This covers portfolio design, sourcing strategy, market analysis, and the operational work involved in identifying and acquiring investment-grade sets. The setup fee is deducted before portfolio construction begins and is non-refundable once acquisition has commenced. No ongoing management fees apply, and no other fees are charged beyond those expressly stated in this agreement.
5% of the invested capital (separate to the Setup Fee) is allocated at the outset to storage, handling, and full market-value insurance. These costs are covered from that allocation and will vary depending on portfolio size and valuation. Once this allocation is used, continued storage and insurance will be charged at the prevailing rate. You will be notified in advance before any renewal or top-up is required.
The capital available for set acquisition will equal the amount you transfer less the Setup Fee and the Storage & Insurance Fee. By transferring funds to us, you authorise us to select, acquire, and manage sets on your behalf in accordance with our investment strategy, without requiring prior approval for individual purchases. You acknowledge that acquisition decisions are made using our commercially reasonable judgement based on prevailing market conditions at the time of purchase. You also authorise us to allocate a reasonable portion of the funds towards shipping, storage, and insurance costs as required.
Portfolios are credited at no less than the original retail price (RRP). Where the fair market value exceeds RRP, the higher market value is used. If sourcing requires paying above the fair market value in order to obtain sealed, investment-grade sets in quantity, the portfolio is credited at the actual acquisition cost instead. Where we acquire sets below the credited value, we retain the difference as our sourcing margin. Shipping and handling costs are recharged to the client.
You may request liquidation of your portfolio at any time. Where we manage the resale, we will handle sourcing of buyers, pricing, negotiation, packaging, and dispatch. A 10% liquidation fee is charged on the gross sale proceeds. Shipping and any third-party platform fees may also be deducted where applicable.
Alternatively, you may request direct delivery of your sets to manage the sale independently. In this case, we will arrange dispatch to you, and you will be responsible for shipping costs and insurance in transit.
Sale timelines depend on market demand, condition of the sets, and prevailing resale platform activity. We do not guarantee sale prices or sale timeframes, and you acknowledge that the resale market may fluctuate.
The minimum initial investment is £10,000. We reserve the right to modify minimum investment thresholds at our discretion.
As a client, you agree to:
All content on our website, including text, graphics, logos, images, software, and compilation thereof, is the property of Little Brick Capital or its licensors and is protected by copyright, trademark, and other intellectual property laws.
LEGO® is a trademark of the LEGO Group of companies which does not sponsor, authorise, or endorse this site or our services. We are an independent company with no affiliation to the LEGO Group.
We grant you a limited, non-exclusive, non-transferable licence to access and use our website for personal, non-commercial purposes in accordance with these Terms.
Investing in LEGO sets involves substantial risk. You should carefully consider whether this investment is suitable for you in light of your financial circumstances.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, Little Brick Capital shall not be liable for:
Our total liability to you for any claims arising from or related to these Terms or our services shall not exceed the fees paid by you to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Little Brick Capital, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:
You may terminate your account at any time by providing written notice. Upon termination, you may:
We may suspend or terminate your account immediately if:
Upon termination, you remain liable for all fees and charges incurred. We will arrange for the return or liquidation of your assets as instructed.
We encourage you to contact us first to resolve any disputes informally. Most concerns can be resolved quickly by contacting info@littlebrickcapital.co.uk.
If informal resolution fails, any dispute shall be resolved through binding arbitration in accordance with the Arbitration Act 1996, except where prohibited by law.
These Terms are governed by the laws of England and Wales. You consent to the exclusive jurisdiction of the courts of England and Wales.
These Terms constitute the entire agreement between you and Little Brick Capital regarding our services and supersede all prior agreements and understandings.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.
We reserve the right to modify these Terms at any time. Material changes will be notified via email. Continued use after changes constitutes acceptance.
For questions about these Terms of Use, please contact us:
Little Brick Capital Limited
Email: info@littlebrickcapital.co.uk
Registered Office Address: 207 Regent Street, London, United Kingdom, W1B 3HH
Company Number: 16582288
Remember: We are not regulated by the FCA. These investments carry significant risk. Always seek independent financial advice if you are unsure about the suitability of any investment.