Terms of Service

Last updated: 15 March 2026

These Terms of Service ("Terms") govern your access to and use of the ClauseGuard platform ("Service"), operated as a sole trader business under the trading name ClauseGuard ("we," "us," or "our"), and available at clauseguard.uk.

By accessing and using ClauseGuard, you ("Customer," "you," or "your") agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use the Service.

1. Service Description

ClauseGuard provides regulatory intelligence services for FCA-regulated financial services firms. The Service monitors regulatory publications from the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), and HM Revenue & Customs (HMRC), classifies updates against your firm’s specific authorisation perimeter, and delivers plain-English summaries with impact assessments and suggested action items.

IMPORTANT DISCLAIMER: ClauseGuard is an informational tool only. The Service does not constitute legal advice, compliance advice, or regulatory consultation. AI-generated summaries, impact assessments, and action items are provided for informational purposes and may contain errors or omissions. You remain solely responsible for your firm’s regulatory compliance at all times. You should always verify information independently and seek advice from qualified compliance professionals, solicitors, or regulatory consultants regarding your specific obligations.

2. Eligibility

By using the Service, you represent and warrant that:

You are at least 18 years of age
If using the Service on behalf of a firm, you are authorised to bind that firm to these Terms
Your use of ClauseGuard complies with all applicable laws and regulations
The information you provide to us (including your FCA FRN) is accurate and current

3. Account Registration and Security

To access the Service, you must create an account using your email address. We use passwordless authentication via magic link emails. You are responsible for:

Maintaining the security of your email account, as it is the sole method of authentication
Not sharing or forwarding magic link login emails with any unauthorised person
Notifying us immediately at john@clauseguard.uk of any unauthorised access to your account
All activities that occur under your account, whether or not you have authorised them

4. Subscription Plans, Trials, and Billing

4.1 Free Trial

New customers may receive a 14-day free trial. No credit card is required to start a trial. During the trial, you will have full access to the features of your chosen plan. At the end of the trial period, you will be prompted to enter payment details and choose a subscription plan. If you do not subscribe, your access to new regulatory updates will be paused, but your existing account data will be retained for 30 days.

4.2 Subscription Plans

ClauseGuard offers the following subscription tiers:

Essentials (£99/month): 1 firm profile, weekly digest email, regulatory change feed, impact scoring, and 30-day audit trail
Professional (£249/month): Up to 5 firm profiles, daily alerts and weekly digest, action item generation, unlimited audit trail, consultation tracker, priority support, and API access

We reserve the right to modify pricing with 30 days’ written notice. Any price changes will take effect at the start of your next billing cycle after the notice period.

4.3 Billing and Payment

Subscriptions are billed on a recurring monthly cycle starting from the date you first subscribe. All fees are stated exclusive of VAT. VAT will be added where applicable in accordance with UK tax law. Payments are processed securely by Stripe. By providing your payment information, you authorise us to charge your chosen payment method for all applicable subscription fees. You are responsible for ensuring your payment information is accurate and current.

4.4 Cancellation and Refunds

You may cancel your subscription at any time through the Stripe billing portal accessible from your dashboard settings. Upon cancellation:

Your subscription remains active until the end of your current billing period
You will retain full access to the Service until that date
No further charges will be made after your cancellation takes effect
We do not offer refunds for partial billing periods. However, if you experience a significant service issue, please contact us and we will consider refund requests on a case-by-case basis

4.5 Plan Changes

You may upgrade or downgrade your plan at any time through the billing portal. When upgrading, you gain immediate access to the new plan’s features. When downgrading, your current plan features remain available until the end of your billing period, at which point the lower plan takes effect.

5. Free Scan Feature

We offer a free one-time regulatory scan using your FCA Firm Reference Number. This feature is provided to demonstrate the Service and does not require a subscription. The free scan is subject to the same disclaimers as the full Service: the results are informational only and should not be relied upon as compliance advice.

6. Intellectual Property

All content, features, functionality, and materials on ClauseGuard — including text, graphics, logos, software, and AI-generated summaries — are the property of ClauseGuard or its licensors and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use ClauseGuard for your firm’s internal compliance purposes only.

You may not:

Reproduce, distribute, or commercially exploit any content from ClauseGuard without prior written consent
Modify, adapt, or create derivative works from our platform or its content
Reverse engineer, decompile, or attempt to discover the source code or underlying algorithms
Remove, alter, or obscure any copyright, trademark, or other proprietary notices

Regulatory Content: The underlying regulatory publications (FCA policy statements, consultations, etc.) are Crown Copyright or the copyright of the respective regulator. ClauseGuard’s AI-generated summaries and classifications are our original work product.

7. Prohibited Uses

You agree not to:

Use the Service for any illegal or unlawful purpose
Attempt to gain unauthorised access to the Service, other accounts, or our systems
Engage in automated scraping, crawling, or data harvesting of our platform
Interfere with or disrupt the Service, servers, or connected infrastructure
Use the Service to develop a competing product or service
Share your account access with unauthorised third parties
Resell, redistribute, or sublicense access to the Service without our written permission
Violate any applicable laws, regulations, or the rights of third parties

8. Service Availability and AI Accuracy

We strive to keep the Service available and accurate, but we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

AI-Generated Content: ClauseGuard uses artificial intelligence (Anthropic’s Claude) to classify and summarise regulatory updates. While we endeavour to ensure accuracy, AI-generated content may occasionally contain errors, omissions, or misclassifications. You should always verify critical information against the original regulatory source before taking compliance action.

9. Limitation of Liability

DISCLAIMER OF WARRANTIES: The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

LIMITATION OF DAMAGES: To the fullest extent permitted by law, ClauseGuard shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of profits, loss of data, loss of business or business opportunity, regulatory fines or penalties, business interruption, or any damages arising from reliance on information provided by the Service.

LIABILITY CAP: Our total aggregate liability to you for all claims arising from or relating to the Service shall not exceed the total amount you have paid to us in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited by English law.

10. Indemnification

You agree to indemnify and hold harmless ClauseGuard from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any applicable law or regulation; or (d) any content or data you provide through the Service.

11. Termination

By You: You may cancel your subscription and close your account at any time through your dashboard settings or by contacting us at john@clauseguard.uk.

By Us: We may suspend or terminate your account immediately if we reasonably believe you have breached these Terms, engaged in unlawful activity, or if required by law. Where possible, we will provide you with notice before termination.

Effect of Termination: Upon termination, your right to access the Service ceases immediately. Your data will be handled in accordance with our Privacy Policy’s data retention provisions.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Before initiating any legal proceedings, we encourage you to contact us at john@clauseguard.uk to attempt to resolve any dispute informally. We will make reasonable efforts to resolve complaints within 30 days.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email or by placing a notice on the website at least 14 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

14. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and ClauseGuard regarding your use of the Service
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect
No Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision
Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time
Force Majeure: We shall not be liable for any failure or delay in performing our obligations due to events beyond our reasonable control, including but not limited to natural disasters, power outages, internet disruptions, or government actions

15. Contact Us

If you have questions about these Terms of Service, please contact us:

ClauseGuard
Email: john@clauseguard.uk
Jurisdiction: England and Wales