{% extends "public_base.html" %}
{% block title %}{{ BRAND_NAME }} &middot; Terms and Conditions{% endblock %}

{% block main %}

<section class="public-section">
  <h1 class="public-section__head">Terms and Conditions</h1>
  <p style="color: var(--muted); font-size: 13px;">
    Last updated: 2026-05-26. {{ LEGAL_OPERATOR }} operates {{ BRAND_NAME }}
    (the &ldquo;Service&rdquo;) from {{ OPERATOR_JURISDICTION }}.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">1. Acceptance</h2>
  <p>
    By creating an account or otherwise using the Service you agree to
    these Terms and to the <a href="/privacy">Privacy notice</a> and
    <a href="/disclaimer">Disclaimer</a>. If you do not agree, do not
    use the Service.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">2. The Service</h2>
  <p>
    {{ BRAND_NAME }} provides a macro-strategy dashboard with curated
    market data, news, and AI-generated commentary on public market
    data (strategic log, indicator summaries, and a follow-up chat
    grounded on those reads). It also includes a browser-only portfolio
    composition viewer: CSVs you upload are parsed in your browser and
    used to compute neutral statistics (weights, sector / currency /
    concentration breakdown). Your holdings stay in your browser; they
    are not sent to or stored on the server, and the Service does not
    produce AI commentary on them.
  </p>
  {% if SUBSCRIPTIONS_ENABLED %}
  <p>
    Feature tiers and pricing are described on the
    <a href="/pricing">Pricing page</a> and may change over time.
  </p>
  {% endif %}
  <p>
    Nothing produced by the Service is investment advice. See the
    <a href="/disclaimer">Disclaimer</a> for the full position.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">3. Accounts &amp; authentication</h2>
  <ul>
    <li>Accounts are tied to a working email address. Authentication is
        by one-time codes sent to that address &mdash; no passwords.</li>
    <li>You are responsible for the security of the email inbox you sign
        up with. Anyone with access to that inbox can sign in.</li>
    <li>One account per person. Do not share accounts or sign in on
        behalf of someone else without their explicit permission.</li>
    <li>You may delete your account at any time by writing to
        <a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>.</li>
  </ul>
</section>

<section class="public-section">
  <h2 class="public-section__head">4. Acceptable use</h2>
  <p>You agree not to:</p>
  <ul>
    <li>Use automated tools to scrape, mirror, or repackage the Service
        or any of its data, including market data and AI-generated
        commentary, without prior written permission.</li>
    <li>Use the Service, or any of its output, to ingest, train, fine-tune
        or evaluate any machine-learning model without prior written
        permission.</li>
    <li>Abuse the one-time-code (OTP) system, including by submitting
        emails you do not control.</li>
    <li>Attempt to bypass authentication, paid-tier gating, or rate
        limits.</li>
    <li>Use the Service in any way that could damage, disable,
        overburden, or impair it.</li>
    <li>Use the Service to harass, defame, or threaten any person.</li>
    <li>Reverse engineer, decompile, or otherwise extract source code,
        except where applicable law expressly permits it.</li>
    <li>Use the Service in a way that is unlawful in your jurisdiction.</li>
  </ul>
</section>

<section class="public-section">
  <h2 class="public-section__head">5. Paid plans</h2>
  {% if SUBSCRIPTIONS_ENABLED %}
  <p>
    Paid plans are available at &pound;7/month or &pound;70/year (terms
    and current prices on the <a href="/pricing">pricing page</a>). New
    annual subscriptions begin with a 14-day free trial; monthly
    subscriptions begin immediately on payment. Paid features remain
    active for as long as the subscription is current or any
    time-bounded credit granted to your account is still valid. You
    can cancel a paid subscription at any time; cancellation takes
    effect at the end of the current billing period unless otherwise
    stated. Detailed refund and cancellation rights are set out in
    section 6 below.
  </p>
  {% else %}
  <p>
    Paid plans are not currently available; the Service is offered to
    signed-in users at no cost while the subscription system is paused.
    Sections 5 and 6 (paid plans and refunds) are retained for reference
    and will apply again if subscriptions resume; their terms are not in
    force at the moment.
  </p>
  {% endif %}
</section>

<section class="public-section">
  <h2 class="public-section__head">6. Refunds</h2>
  <p>
    <strong>14-day cooling-off period (UK / EU consumers).</strong>
    The Consumer Contracts (Information, Cancellation and Additional
    Charges) Regulations 2013 give consumers a 14-day right to cancel
    digital service contracts. We honour this right in different ways
    depending on your billing cadence.
  </p>
  <p>
    <strong>1a. Annual subscriptions.</strong> Every new annual
    subscription begins with a 14-day free trial. No payment is taken
    during the trial; cancel any time before the trial ends and you
    are not charged. This is offered as a substitute for, and is at
    least as generous as, the statutory 14-day refund right. After
    the trial ends and the first payment is taken, the rules in
    paragraph 2 below apply.
  </p>
  <p>
    <strong>1b. Monthly subscriptions.</strong> Monthly subscribers
    receive immediate access to paid features at checkout and are
    billed on day one. Before you can start a monthly subscription
    you must tick a required consent box on the pricing page in
    which you (i) agree to these Terms, (ii) give express consent to
    begin performance immediately, and (iii) acknowledge that, under
    Regulation 36 of the Consumer Contracts Regulations 2013, doing
    so extinguishes your statutory 14-day right to cancel in respect
    of digital content already delivered. The rules in paragraph 2
    below apply from the first day.
  </p>
  <p>
    <strong>Cancellation after the cooling-off window.</strong> You can
    cancel a paid subscription at any time. Cancellation takes effect at
    the end of the current billing period; we do not pro-rate refunds
    for the unused portion of a period you have already started, unless
    a separate paragraph below applies.
  </p>
  <p>
    <strong>Termination by us without fault on your part.</strong> If we
    terminate or materially reduce a paid feature for reasons that are
    not a breach by you (including a service shutdown), we will refund
    the unused portion of any prepaid fees on a pro-rata basis. The same
    applies under clause 8 if we terminate for a breach you did not
    cause, and under clause 11 if you close your account because you do
    not accept a material change to these Terms.
  </p>
  <p>
    <strong>Service faults.</strong> Nothing in this clause limits your
    statutory rights as a UK consumer under Part 1 of the Consumer
    Rights Act 2015. If a paid feature is not supplied with reasonable
    care and skill, you may be entitled to a repeat performance or a
    price reduction (which can be a full refund) under that Act.
  </p>
  <p>
    <strong>How to request a refund.</strong> Email
    <a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a> from
    the address tied to your account, with the order reference if you
    have one. We aim to acknowledge within 5 working days. Refunds are
    returned to the original payment method and typically arrive within
    14 days of approval, subject to your bank&rsquo;s processing time.
  </p>
  <p>
    Referral credits and any other non-cash credits applied to your
    account are not refundable for cash.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">7. Service availability</h2>
  <p>
    The Service is provided on a best-effort basis. There is no service
    level agreement: outages, data delays, and feature changes may occur
    without notice. Scheduled and unscheduled downtime is possible.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">8. Content &amp; ownership</h2>
  <p>
    The Service&rsquo;s code, design, indicator selection, and prompts
    are owned or licensed by {{ LEGAL_OPERATOR }}. To the extent any
    copyright subsists in the AI-generated commentary under UK law, it
    vests in or is licensed to {{ LEGAL_OPERATOR }}. Market data is
    sourced from third parties (e.g. Yahoo Finance and public RSS
    feeds); their respective rights apply. You may view, save, and
    quote short excerpts for personal use; you may not republish or
    redistribute substantial portions, or use the Service&rsquo;s
    output to train machine-learning models, without prior written
    permission.
  </p>
  <p>
    Any portfolio CSV you upload remains your data. The portfolio
    feature is browser-only: CSVs are parsed in your browser, the
    resulting pie is kept in your browser&rsquo;s local storage, and
    nothing about your holdings is sent to or stored on the server
    (see the <a href="/privacy">Privacy notice</a>).
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">9. Suspension &amp; termination</h2>
  <p>
    We may suspend or terminate access without notice for violation of
    these Terms or for activity that risks the integrity, security, or
    legality of the Service. You may stop using the Service at any time.
  </p>
  <p>
    For paid subscribers, suspension for suspected breach will, where
    reasonably practicable, be preceded by notice and an opportunity to
    respond, unless immediate suspension is necessary to protect the
    Service, its users, or any third party. If we terminate a paid
    subscription for a breach you did not cause, we will refund the
    unused portion of any prepaid fees on a pro-rata basis (see
    clause 6).
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">10. No warranty</h2>
  <p>
    The Service is provided &ldquo;as is&rdquo; and &ldquo;as
    available&rdquo;, without warranties of any kind, express or implied,
    including merchantability, fitness for a particular purpose, accuracy,
    and non-infringement, to the maximum extent permitted by law.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">11. Limitation of liability</h2>
  <p>
    To the maximum extent permitted by law, {{ LEGAL_OPERATOR }} is not
    liable for any indirect, incidental, special, consequential, or
    punitive damages, or for any investment loss or missed gain, arising
    from your use of the Service. Subject to the carve-outs below, the
    total aggregate liability of {{ LEGAL_OPERATOR }} to you for any
    claim is capped at the greater of (a) the fees you have paid in the
    12 months immediately preceding the claim, or (b) GBP 50.
  </p>
  <p>
    Nothing in these Terms limits or excludes liability that cannot
    lawfully be limited or excluded, including (i) death or personal
    injury caused by negligence, (ii) fraud or fraudulent
    misrepresentation, (iii) for consumers, any statutory rights under
    Part 1 of the Consumer Rights Act 2015 (including the right to
    services performed with reasonable care and skill), and (iv) any
    other liability that cannot be excluded under applicable mandatory
    law in your country of residence.
  </p>
  <p>
    If you are a consumer, the cap in the first paragraph of this
    clause does not apply to claims for direct losses arising from a
    breach of those statutory rights, which remain at the level the law
    requires.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">12. Changes</h2>
  <p>
    These Terms may change. Material changes will be flagged in-app or
    by email. Continued use after a change means you accept the updated
    Terms. If you do not accept a material change, you may close your
    account before the change takes effect; we will refund any prepaid
    fees for the unused period.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">13. Governing law and jurisdiction</h2>
  <p>
    These Terms are governed by the laws of England and Wales. Subject
    to any mandatory law of the consumer&rsquo;s country of residence,
    the courts of England and Wales have <strong>non-exclusive</strong>
    jurisdiction over any dispute. UK consumers may also bring
    proceedings in the courts of the part of the United Kingdom in
    which they are habitually resident.
  </p>
</section>

<section class="public-section">
  <h2 class="public-section__head">14. Contact</h2>
  <p>
    <a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>
  </p>
</section>

{% endblock %}
