Terms and Conditions
These Terms and Conditions ("Terms") govern your access to and use of the ZelaF1NALITY website and decision-support tools ("Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.
Last updated: this document is a general draft template and should be reviewed by qualified legal counsel before publication.
1. Nature of the Service
ZelaF1NALITY provides data analysis, modelling, and decision-support tools intended to help users organise and interpret information relevant to their own investment research. The Service does not constitute regulated financial advice, a recommendation to buy or sell any asset, or a guarantee of any outcome.
Any outputs, scores, projections, or summaries generated by the Service are provided for informational purposes only and should be considered alongside independent research and, where appropriate, advice from a suitably qualified professional.
2. Eligibility
By using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. You are responsible for ensuring that your use of the Service complies with all laws and regulations applicable to you in your jurisdiction.
The Service is designed for use within the United Kingdom. Users accessing the Service from other jurisdictions do so on their own initiative and are responsible for compliance with local laws.
3. Account Registration and Security
Certain features of the Service may require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep such information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You must notify us promptly of any unauthorised use of your account or any other breach of security. ZelaF1NALITY is not liable for any loss or damage arising from your failure to safeguard your account credentials.
4. Acceptable Use
You agree not to use the Service in any way that:
— Violates any applicable law, regulation, or third-party right;
— Involves reverse engineering, scraping, or attempting to extract the underlying data, models, or source code of the Service;
— Introduces malware, viruses, or other harmful code;
— Interferes with or disrupts the integrity or performance of the Service;
— Misrepresents your identity or affiliation with any person or entity;
— Uses automated means to access the Service without our prior written consent.
We reserve the right to suspend or terminate access for any account found to be in breach of these obligations.
5. Subscription, Fees, and Billing
Where the Service includes paid features or subscription plans, applicable fees will be disclosed at the point of purchase. Fees are generally non-refundable except where required by applicable consumer protection law. We reserve the right to modify pricing with reasonable advance notice to existing subscribers.
You are responsible for providing accurate billing information and for any charges incurred under your account, including applicable taxes.
6. Intellectual Property
All content, design, software, trademarks, and materials associated with the Service, excluding data you provide, are the property of ZelaF1NALITY or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Service.
You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for your personal or internal business purposes, subject to compliance with these Terms.
7. User Content and Data
Where you submit information, documents, or data to the Service for analysis, you retain ownership of that content. You grant ZelaF1NALITY a limited licence to process such content solely for the purpose of providing and improving the Service, in accordance with our Privacy Policy.
You are responsible for ensuring you have the right to submit any content you provide and that it does not infringe the rights of any third party.
8. No Financial Advice; Risk Disclosure
ZelaF1NALITY is not a financial adviser, broker, or regulated investment firm. The Service does not provide personalised investment recommendations. Investing involves risk, including the possible loss of principal, and outputs generated by the Service — including any modelling, scoring, or predictive analysis — are not guarantees of future performance.
You are solely responsible for any investment or financial decisions made using information obtained through the Service. We strongly recommend consulting a qualified, independent financial adviser before making investment decisions.
9. Disclaimers
The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
We make reasonable efforts to ensure the accuracy of information presented through the Service but do not guarantee the completeness, timeliness, or reliability of any data, third-party feeds, or analysis output.
10. Limitation of Liability
To the fullest extent permitted by applicable law, ZelaF1NALITY and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.
Nothing in these Terms shall exclude or limit liability for death, personal injury, fraud, or any other liability that cannot be excluded or limited under applicable law.
11. Indemnification
You agree to indemnify and hold harmless ZelaF1NALITY, its affiliates, and their respective officers and employees from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.
12. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct harmful to the Service, other users, or ZelaF1NALITY. You may terminate your account at any time by discontinuing use of the Service and, where applicable, following the cancellation process for any paid subscription.
Provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnification — shall continue to apply.
13. Changes to the Service and Terms
We may modify, suspend, or discontinue any part of the Service at any time. We may also revise these Terms from time to time. Material changes will be reflected by updating the "last updated" notice on this page. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
14. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, subject to any mandatory consumer protections available in your place of residence.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
16. Contact
For questions regarding these Terms, please use the contact details provided in the site footer or through the designated support channels available within the Service.