Terms and Conditions
Last updated: [Insert Date]
These Terms and Conditions ("Terms") govern access to and use of the Requitholm platform and related services (the "Service"), provided by Requitholm ("we", "us", "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.
This page is a general, editable draft provided for structural reference only. It does not constitute legal advice and has not been reviewed by a qualified legal professional. Before publishing, this document should be reviewed and tailored by qualified counsel to reflect your actual business practices and applicable jurisdiction.
1. Acceptance of Terms
By creating an account, accessing, or using any part of the Service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access the Service.
2. Eligibility
The Service is intended for use by independent financial professionals and related organisations acting in a business capacity. By using the Service, you represent that you have the authority to enter into these Terms on behalf of yourself or the organisation you represent.
3. Use of the Service
You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:
- Use the Service in any way that breaches applicable law or regulation.
- Attempt to gain unauthorised access to any part of the Service, its systems, or related networks.
- Reverse engineer, decompile, or attempt to extract the source code of any software underlying the Service.
- Use the Service to transmit any harmful, infringing, or unlawful material.
- Resell, sublicense, or redistribute access to the Service without prior written consent.
4. Account Responsibilities
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorised use or suspected security breach. We are not liable for any loss arising from your failure to safeguard your account information.
5. Subscription, Fees, and Payment
Certain features of the Service may require a paid subscription. Fees, billing cycles, and applicable terms will be presented at the point of purchase or in a separate commercial agreement. Unless otherwise stated, fees are non-refundable. We reserve the right to amend pricing with reasonable advance notice.
6. Intellectual Property
All content, software, design elements, and materials made available through the Service are owned by or licensed to Requitholm and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights; you are granted only a limited, non-exclusive, non-transferable licence to use the Service in accordance with these Terms.
7. Data and Confidentiality
Where you submit or upload data to the Service, you retain ownership of that data. You grant Requitholm a limited licence to process such data solely for the purpose of operating and improving the Service, in accordance with our Privacy Policy. We will take reasonable measures to protect the confidentiality of data submitted to the Service.
8. Service Availability
We aim to maintain reliable access to the Service but do not guarantee uninterrupted or error-free operation. The Service may be suspended periodically for maintenance, updates, or circumstances beyond our reasonable control. We are not liable for any loss arising from temporary unavailability of the Service.
9. Disclaimers
The Service is provided on an "as is" and "as available" basis. While the Service is designed to support analytical and operational workflows, it does not constitute financial, investment, legal, or regulatory advice. Any decisions made using outputs generated by the Service remain the sole responsibility of the user.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Requitholm shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Service, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising under these Terms shall not exceed the amount paid by you for the Service in the twelve months preceding the claim.
11. Indemnification
You agree to indemnify and hold harmless Requitholm, its officers, employees, and affiliates from any claims, damages, liabilities, and expenses arising from your use of the Service, your breach of these Terms, or your violation of any applicable law or third-party right.
12. Termination
We may suspend or terminate your access to the Service at our discretion, with or without notice, if we reasonably believe you have breached these Terms or engaged in conduct that may harm the Service, other users, or Requitholm. You may terminate your account at any time by contacting us. Provisions that by their nature should survive termination will remain in effect.
13. Changes to the Service and Terms
We may update or modify the Service, and these Terms, from time to time. Material changes will be communicated through reasonable means, such as a notice on the Service or by email. Continued use of the Service after such changes take effect constitutes acceptance of the revised Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Requitholm operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by applicable law.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be deemed modified to the minimum extent necessary to make it enforceable.
16. Contact
Questions regarding these Terms should be directed to Requitholm via the contact details provided on our Contact page.