277 lines
12 KiB
HTML
277 lines
12 KiB
HTML
{% extends "public_base.html" %}
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{% block title %}{{ BRAND_NAME }} · Terms and Conditions{% endblock %}
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{% block main %}
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<section class="public-section">
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<h1 class="public-section__head">Terms and Conditions</h1>
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<p style="color: var(--muted); font-size: 13px;">
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Last updated: 2026-05-26. {{ LEGAL_OPERATOR }} operates {{ BRAND_NAME }}
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(the “Service”) from {{ OPERATOR_JURISDICTION }}.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">1. Acceptance</h2>
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<p>
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By creating an account or otherwise using the Service you agree to
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these Terms and to the <a href="/privacy">Privacy notice</a> and
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<a href="/disclaimer">Disclaimer</a>. If you do not agree, do not
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use the Service.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">2. The Service</h2>
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<p>
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{{ BRAND_NAME }} provides a macro-strategy dashboard with curated
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market data, news, and AI-generated commentary. Paid features include
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portfolio import, AI portfolio analysis, and optional end-to-end
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encrypted cloud sync of your portfolio. Feature lists, tiers, and
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pricing are described on the <a href="/pricing">Pricing page</a> and
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may change over time.
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</p>
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<p>
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Nothing produced by the Service is investment advice. See the
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<a href="/disclaimer">Disclaimer</a> for the full position.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">3. Accounts & authentication</h2>
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<ul>
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<li>Accounts are tied to a working email address. Authentication is
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by one-time codes sent to that address — no passwords.</li>
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<li>You are responsible for the security of the email inbox you sign
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up with. Anyone with access to that inbox can sign in.</li>
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<li>One account per person. Do not share accounts or sign in on
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behalf of someone else without their explicit permission.</li>
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<li>You may delete your account at any time by writing to
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<a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>.</li>
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</ul>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">4. Acceptable use</h2>
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<p>You agree not to:</p>
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<ul>
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<li>Use automated tools to scrape, mirror, or repackage the Service
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or any of its data, including market data and AI-generated
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commentary, without prior written permission.</li>
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<li>Use the Service, or any of its output, to ingest, train, fine-tune
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or evaluate any machine-learning model without prior written
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permission.</li>
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<li>Abuse the one-time-code (OTP) system, including by submitting
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emails you do not control.</li>
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<li>Attempt to bypass authentication, paid-tier gating, or rate
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limits.</li>
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<li>Use the Service in any way that could damage, disable,
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overburden, or impair it.</li>
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<li>Use the Service to harass, defame, or threaten any person.</li>
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<li>Reverse engineer, decompile, or otherwise extract source code,
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except where applicable law expressly permits it.</li>
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<li>Use the Service in a way that is unlawful in your jurisdiction.</li>
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</ul>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">5. Paid plans</h2>
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<p>
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Paid plans are available at £7/month or £70/year (terms
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and current prices on the <a href="/pricing">pricing page</a>). New
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annual subscriptions begin with a 14-day free trial; monthly
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subscriptions begin immediately on payment. Paid features remain
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active for as long as the subscription is current or any
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time-bounded credit granted to your account is still valid. You
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can cancel a paid subscription at any time; cancellation takes
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effect at the end of the current billing period unless otherwise
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stated. Detailed refund and cancellation rights are set out in
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section 6 below.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">6. Refunds</h2>
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<p>
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<strong>14-day cooling-off period (UK / EU consumers).</strong>
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The Consumer Contracts (Information, Cancellation and Additional
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Charges) Regulations 2013 give consumers a 14-day right to cancel
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digital service contracts. We honour this right in different ways
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depending on your billing cadence.
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</p>
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<p>
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<strong>1a. Annual subscriptions.</strong> Every new annual
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subscription begins with a 14-day free trial. No payment is taken
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during the trial; cancel any time before the trial ends and you
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are not charged. This is offered as a substitute for, and is at
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least as generous as, the statutory 14-day refund right. After
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the trial ends and the first payment is taken, the rules in
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paragraph 2 below apply.
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</p>
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<p>
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<strong>1b. Monthly subscriptions.</strong> Monthly subscribers
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receive immediate access to paid features at checkout and are
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billed on day one. Before you can start a monthly subscription
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you must tick a required consent box on the pricing page in
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which you (i) agree to these Terms, (ii) give express consent to
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begin performance immediately, and (iii) acknowledge that, under
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Regulation 36 of the Consumer Contracts Regulations 2013, doing
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so extinguishes your statutory 14-day right to cancel in respect
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of digital content already delivered. The rules in paragraph 2
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below apply from the first day.
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</p>
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<p>
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<strong>Cancellation after the cooling-off window.</strong> You can
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cancel a paid subscription at any time. Cancellation takes effect at
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the end of the current billing period; we do not pro-rate refunds
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for the unused portion of a period you have already started, unless
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a separate paragraph below applies.
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</p>
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<p>
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<strong>Termination by us without fault on your part.</strong> If we
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terminate or materially reduce a paid feature for reasons that are
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not a breach by you (including a service shutdown), we will refund
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the unused portion of any prepaid fees on a pro-rata basis. The same
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applies under clause 8 if we terminate for a breach you did not
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cause, and under clause 11 if you close your account because you do
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not accept a material change to these Terms.
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</p>
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<p>
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<strong>Service faults.</strong> Nothing in this clause limits your
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statutory rights as a UK consumer under Part 1 of the Consumer
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Rights Act 2015. If a paid feature is not supplied with reasonable
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care and skill, you may be entitled to a repeat performance or a
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price reduction (which can be a full refund) under that Act.
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</p>
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<p>
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<strong>How to request a refund.</strong> Email
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<a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a> from
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the address tied to your account, with the order reference if you
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have one. We aim to acknowledge within 5 working days. Refunds are
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returned to the original payment method and typically arrive within
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14 days of approval, subject to your bank’s processing time.
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</p>
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<p>
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Referral credits and any other non-cash credits applied to your
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account are not refundable for cash.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">7. Service availability</h2>
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<p>
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The Service is provided on a best-effort basis. There is no service
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level agreement: outages, data delays, and feature changes may occur
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without notice. Scheduled and unscheduled downtime is possible.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">8. Content & ownership</h2>
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<p>
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The Service’s code, design, indicator selection, and prompts
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are owned or licensed by {{ LEGAL_OPERATOR }}. To the extent any
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copyright subsists in the AI-generated commentary under UK law, it
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vests in or is licensed to {{ LEGAL_OPERATOR }}. Market data is
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sourced from third parties (e.g. Yahoo Finance and public RSS
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feeds); their respective rights apply. You may view, save, and
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quote short excerpts for personal use; you may not republish or
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redistribute substantial portions, or use the Service’s
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output to train machine-learning models, without prior written
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permission.
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</p>
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<p>
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Any portfolio you upload remains your data. The Service does not
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persist your holdings as plaintext (see the
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<a href="/privacy">Privacy notice</a>).
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">9. Suspension & termination</h2>
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<p>
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We may suspend or terminate access without notice for violation of
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these Terms or for activity that risks the integrity, security, or
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legality of the Service. You may stop using the Service at any time.
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</p>
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<p>
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For paid subscribers, suspension for suspected breach will, where
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reasonably practicable, be preceded by notice and an opportunity to
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respond, unless immediate suspension is necessary to protect the
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Service, its users, or any third party. If we terminate a paid
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subscription for a breach you did not cause, we will refund the
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unused portion of any prepaid fees on a pro-rata basis (see
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clause 6).
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">10. No warranty</h2>
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<p>
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The Service is provided “as is” and “as
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available”, without warranties of any kind, express or implied,
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including merchantability, fitness for a particular purpose, accuracy,
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and non-infringement, to the maximum extent permitted by law.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">11. Limitation of liability</h2>
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<p>
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To the maximum extent permitted by law, {{ LEGAL_OPERATOR }} is not
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liable for any indirect, incidental, special, consequential, or
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punitive damages, or for any investment loss or missed gain, arising
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from your use of the Service. Subject to the carve-outs below, the
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total aggregate liability of {{ LEGAL_OPERATOR }} to you for any
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claim is capped at the greater of (a) the fees you have paid in the
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12 months immediately preceding the claim, or (b) GBP 50.
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</p>
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<p>
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Nothing in these Terms limits or excludes liability that cannot
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lawfully be limited or excluded, including (i) death or personal
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injury caused by negligence, (ii) fraud or fraudulent
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misrepresentation, (iii) for consumers, any statutory rights under
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Part 1 of the Consumer Rights Act 2015 (including the right to
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services performed with reasonable care and skill), and (iv) any
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other liability that cannot be excluded under applicable mandatory
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law in your country of residence.
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</p>
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<p>
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If you are a consumer, the cap in the first paragraph of this
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clause does not apply to claims for direct losses arising from a
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breach of those statutory rights, which remain at the level the law
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requires.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">12. Changes</h2>
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<p>
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These Terms may change. Material changes will be flagged in-app or
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by email. Continued use after a change means you accept the updated
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Terms. If you do not accept a material change, you may close your
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account before the change takes effect; we will refund any prepaid
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fees for the unused period.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">13. Governing law and jurisdiction</h2>
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<p>
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These Terms are governed by the laws of England and Wales. Subject
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to any mandatory law of the consumer’s country of residence,
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the courts of England and Wales have <strong>non-exclusive</strong>
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jurisdiction over any dispute. UK consumers may also bring
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proceedings in the courts of the part of the United Kingdom in
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which they are habitually resident.
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</p>
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</section>
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<section class="public-section">
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<h2 class="public-section__head">14. Contact</h2>
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<p>
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<a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>
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</p>
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</section>
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{% endblock %}
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