IOperate
Valoren
A disciplined system for organising the records every adult life requires, for UK residents in England and Wales.
Thirty-three records. Protocols that activate when customers cannot. The sole product the company maintains.
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● About· The institutionEngland & Wales· UK GDPR· 14-day cooling-off
Standard Index Group: the institution behind Valoren.
Valoren is operated by Standard Index Group, forming in England & Wales to maintain personal records with the discipline a serious life deserves.
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01The company
Standard Index Group.
Standard Index Group is in formation in England & Wales.
Holds Valoren — its sole product.
Independently owned. Holds no client funds. Operates under the law of England and Wales.
The work is to maintain the discipline that makes personal records hold up year after year — across quarterly check-ins, annual reviews, and the day everything else stops.
Software is the means. The institution is the substance.
The principle, plainly
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Valoren does not sell software. Valoren keeps the family record, and lets you keep the key.
ValorenThe principle, in order
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The company facts
What the company actually is, in plain particulars.
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OperatorI
Standard Index Group
Status
In formation
Jurisdiction
England & Wales
Data protection
UK GDPR
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ProductII
Valoren
Status
Flagship product
Operating since
2026
Service area
England & Wales
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PostureIII
Discipline
Encryption
Sensitive fields end-to-end· AES-256 at rest
Hosting
United Kingdom
Regulatory
Documentation· not regulated
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The broader system
An institution is easiest to judge by what it actually maintains.
Standard Index Group operates one product. Valoren's 33 records are the discipline this page describes, applied to your own household — held current, visible to the people who need them.
Continuity layer
What this becomes inside Valoren
Stored in your records system
The information you've just shared lives in your Valoren records — encrypted, organised, ready when you or your trusted person needs it.
This page is one part of a larger system.
A document decides what happens once. Valoren's 33 records cover everything your executor needs to actually act — held current, visible to the people who need them.
Kept current for you
Tax thresholds change. Pension rules change. Family circumstances change.
Your records system updates the relevant outputs when they do — no need to redo this.
Surfaced when it matters
The right document for the right moment. Day-one of a bereavement. A capacity event. An executor's first hour.
The system already knows what to produce.
Visible to the people who need it
Your trusted person sees what you've chosen to share, when you've chosen to share it.
No password handover. No "where are the documents." A real continuity layer above your will.
Find this again
We'll email you a link back to this page — no need to search for it later.
- £195first year, then £99/yearThe Household Continuity DossierThe full register — all 33 records, your Advisor on call, annual review prompts so it never goes stale.Recommended for youGet The Household Continuity Dossier→
- £495first year, then £199/yearThe Estate Standard SealThe whole system built for you on one call, kept current each year, with a named escalation contact when it matters.Get The Estate Standard Seal→
Most people start with The Household Continuity Dossier — 14-day full refund, cancel any time in two clicks.
Practical guide, not legal advice. Prepared 24 August 2026. ES-2026.
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02The work
What Standard Index Group does.
A mandate of three. A refusal of two. The boundary is part of the definition.
MandateThree things, on the record
IIMaintain
The infrastructure that holds records to standard
Encryption. Audit log. Annual review cycle.
Protocols that activate when customers cannot. The discipline is the product. The rest is delivery.
RefusalTwo things, by design
IVDoes not
Provide regulated financial or legal advice
Where scope ends, customers engage solicitors, IFAs, or accountants. Valoren prepares the record they will need.
VDoes not
Hold client funds
Standard Index Group is a records and protocols company. It does not custody money, securities, or assets of any kind.
The boundary is part of the definition.
From reading to ready
This guide is free, and it stays free. The Household Continuity Dossier renders your household's own version — your people, your accounts, your wishes — into a maintained record your executor or trusted person will actually reach for, kept current every year.
See The Household Continuity Dossier →III
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03What we believe
Three commitments.
Everything a will always assumed existed.
IDiscipline
Discipline over features
The work of governing a life deserves sustained attention — not consumer-software polish.
Organising one's affairs, choosing trusted authorities, and preparing the people who'll need them is too important to be done by a product that treats it as a series of features.
IIContinuity
Continuity over convenience
A record made today and never updated is worse than no record.
It tells the people relying on it information that is no longer true. Annual review and quarterly check are not features. They are the work.
IIIRefusal
Refusal as definition
What Valoren refuses defines it as much as what it provides.
There are records Valoren has chosen never to hold (master access codes, ceremonial WARRANTs, S-Series air-gap content). There is advice it deliberately does not give.
— three, written down —
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04ES-2026
The standard the company exists to maintain.
The ES-2026 Personal Governance Standard is a published specification covering the thirty-three records that make up a complete personal-governance system, the protocols that activate them, and the discipline by which they are maintained.
The standard is archived independently on SSRN and the Internet Archive, with source under version control on GitHub. It exists in the public domain — citable, datable, and independent of any single company.
The standard governs us. We do not govern it. If Standard Index Group ceased trading tomorrow, the standard would remain, your filled records would remain, and any compliant successor could implement it.
This is not a marketing claim. It is the entire reason ES-2026 is published rather than kept proprietary.
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The founder, on record
The work speaks.
Not the personality.
Standard Index Group is operated by a named, accountable founder, whose name will appear on the public register once the company is incorporated.
Its substance — the records it organises, the protocols it prepares, the standard it follows — is what represents the company publicly.
Contact support@valoren.uk for anything specific.
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§07The institutional family
Five disciplines, three entities. One continuous standard.
Valoren is the consumer-facing arm of an institutional structure in formation. Research, certification, stewardship, and consumer delivery are each held in a distinct entity — so that no single authority can degrade standards through commercial pressure.
Research
SENRA
Develops technical specifications. Researches operational failures. Drafts the corpus.
Certification
Standard Index Group
Verifies compliance with ES-2026. Audits. Authorises use of the standard mark.
Stewardship
Standard Index Group
Governance oversight. Maintains the 2126 public-domain release commitment.
Century custody
SENRA
Standard for Estate Notation, Records & Archiving.
Consumer arm
Valoren
Family continuity product for England and Wales. Implements the institutional disciplines at household scale.
● Public corpus
Maintained, cited, and verifiable.
The corpus is held in external public archives — SSRN and the Internet Archive — with source under version control on GitHub. Each paper is independently citable by abstract ID or archive identifier. The 2126 public-domain release commitment applies across all deposits.
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06Contact
How to reach us.
Operating entity
Standard Index Group
Status
In formation
Data protection
UK GDPR
Jurisdiction
England & Wales
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● Begin the work
The work. Begun in five minutes.
Begin your records, or read how the institution holds them to standard.