Terms and Conditions
Please read these Terms and Conditions carefully before using the Clair Termlance website and any associated tools, reports, or services. By accessing or using our services, you agree to be bound by these Terms.
Draft notice: This is a general template intended as a starting point and does not constitute legal advice. It should be reviewed and adapted by a qualified legal professional before use, to ensure compliance with applicable laws in your jurisdiction.
1. Acceptance of Terms
By accessing this website or using any of the tools, calculators, reports, or services offered by Clair Termlance ("we", "us", "our"), you confirm that you accept these Terms and Conditions and agree to comply with them. If you do not agree with any part of these Terms, you must not use our services.
2. Description of Services
Clair Termlance provides adaptive AI-driven risk analysis, predictive modelling, and related informational tools intended to help users better understand financial planning concepts. Our services are provided for general informational and educational purposes only and should not be interpreted as personalised financial, investment, tax, or legal advice.
3. No Financial Advice
Nothing on this website constitutes a recommendation to buy, sell, hold, or otherwise deal in any financial product or instrument. Any outputs, projections, or scores generated by our tools are based on the information provided by the user and general assumptions, and may not reflect your actual circumstances. You should seek independent professional advice before making any financial decisions.
4. Eligibility
By using our services, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. Our services are intended for use within the United Kingdom unless otherwise stated.
5. User Responsibilities
You agree to provide accurate, current, and complete information when using our tools and services. You are responsible for maintaining the confidentiality of any account credentials associated with your use of the site, and for all activities that occur under your account.
6. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, tools, and underlying software, is the property of Clair Termlance or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of this website without our prior written consent.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Clair Termlance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or in connection with your use of, or inability to use, our services, whether based on warranty, contract, tort, or any other legal theory.
8. No Warranty
Our services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the services will be uninterrupted, error-free, or free of harmful components.
9. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by Clair Termlance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
10. Termination
We reserve the right to suspend or terminate your access to our services at any time, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.
11. Changes to These Terms
We may revise these Terms and Conditions from time to time. The updated version will be indicated by an updated revision date and will be effective as soon as it is accessible. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.
12. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Contact
If you have any questions about these Terms and Conditions, please get in touch via our Contact page.
Last updated: this document is a general template and should have its revision date set upon formal legal review.