Our Policies & Agreements
Everything you need to understand how Ownich protects your ownership, handles transfers, resolves disputes, and manages insurance — all in one place.
The Ownich Trust Centre is the single destination for all policies and agreements that govern how Ownich protects your ownership, handles transfers, resolves disputes, and manages fractional insurance. It covers the Fractional Ownership Insurance Policy (which activates automatically when a fractional transfer is accepted), the Ownership Transfer Policy (explaining all four transfer methods and their protections), and the Transfer Dispute Policy (setting out the 72-hour dispute window, the admin reversal process, and the 4-step resolution procedure). The page also sets out Ownich's four core commitments — a permanent audit trail, 30 days' notice before any policy change, proportional financial payouts, and England & Wales jurisdiction — alongside direct contact channels for general enquiries, insurance claims, and disputes.
Fractional Ownership Insurance Policy
Explains how insurance is automatically triggered when a fractional transfer is accepted, who pays the premium, what is covered, and how to make a claim.
- Insurance activates on transfer acceptance
- Possessor (highest % holder) pays the premium
- Monthly or annual billing
- Custody provision if all parties decline possession
Ownership Transfer Policy
Covers all four transfer methods — Secure Code, QR + Digital Signature, Direct Transfer, and Fractional Transfer — including how each works and what protections apply.
- Four transfer methods explained
- Full audit trail on every transfer
- Cancellation available before redemption
- Insurance triggered on fractional acceptance
Transfer Dispute Policy
Sets out when and how to raise a dispute, the 4-step resolution process, admin reversal rights, and the difference between cancellation and a formal dispute.
- 72-hour dispute window
- Ownich can reverse a confirmed fraudulent transfer
- 5 business day response target
- Governed by England & Wales law
Our commitments to you
Full audit trail
Every transfer, attestation, and admin action is permanently timestamped and recorded. Nothing is deleted.
30-day policy notice
We will always give you at least 30 days' notice before making any material change to these policies.
Proportional payouts
Insurance settlements and any financial distributions are always paid proportionally to each rights holder's ownership stake.
England & Wales jurisdiction
All policies are governed by the laws of England and Wales. EU residents may also use the EU ODR platform.
Quick links
Questions about our policies?
Our team is happy to explain anything in plain English.