01Nature of the service and important limitations
This service provides an AI-assisted research tool designed to help private investors organise information, examine assumptions, compare scenarios and develop their own independent views. It is an information and research tool only. It does not constitute financial advice, investment advice, tax advice or any other form of regulated advice. Nothing produced by or through this service should be relied upon as a recommendation to buy, hold or sell any investment, or as a prediction of any market outcome.
All investment decisions you make are your own responsibility. The service does not execute trades, manage portfolios or act on your behalf in any financial capacity. If you require personalised financial advice, you should consult a qualified financial adviser who is authorised and regulated by the Financial Conduct Authority (FCA). The value of investments can fall as well as rise, and you may receive back less than you invest. Past research quality does not guarantee future investment outcomes.
02Your use of the service
By using this service, you agree to use it only for lawful purposes and in a manner consistent with these terms. You must not attempt to disrupt, damage or gain unauthorised access to the service or its underlying systems. You must not use the service to process or store information that is unlawful, harmful or in breach of any third party's rights. You are responsible for maintaining the security of any account credentials you use to access the service.
The content and tools provided through this service are for your personal, non-commercial use. You may not reproduce, redistribute or commercially exploit any part of the service without our express written permission. We reserve the right to suspend or terminate access to the service at any time if we have reason to believe these terms have been breached. We will endeavour to give reasonable notice where practical, but are not obliged to do so in cases of serious breach.
03Liability, changes and governing law
We make reasonable efforts to ensure the service is accurate, reliable and available, but we do not guarantee uninterrupted access or error-free operation. To the fullest extent permitted by applicable law, we exclude liability for any loss or damage arising from your use of the service or reliance on any information it provides — including, without limitation, any investment loss. This exclusion does not apply to liability that cannot be excluded under UK law, including liability for death or personal injury caused by our negligence.
We may update these terms from time to time to reflect changes to the service or applicable law. Where changes are material, we will provide reasonable notice before they take effect. Your continued use of the service after any update constitutes your acceptance of the revised terms. These terms are governed by the law of England and Wales, and any disputes arising from them will be subject to the exclusive jurisdiction of the courts of England and Wales.