Terms and Conditions
The rules that apply when you access and use Kestelwick. Please read this page carefully before using the platform.
General draft only — to be reviewed and completed by the site owner
Using Kestelwick
These Terms describe permitted use of the site, account responsibilities, and important limits related to analysis and decision-support tools.
Contents
Jump to a section:
1. Acceptance of these Terms
By accessing or using Kestelwick, including any website pages, tools, dashboards, or related content, you agree to these Terms and Conditions and to any additional notices or policies referenced here, such as the Privacy Policy.
If you do not agree with these Terms, please do not use the platform. If you use Kestelwick on behalf of another person or entity, you confirm that you have authority to accept these Terms on their behalf.
[Insert eligibility age or other acceptance conditions to be confirmed by the site owner.]
2. Description of the service
Kestelwick provides AI-assisted analysis and organisational tools intended to support disciplined financial review for independent earners. Features may include data visualisation, summaries, scenario organisation, and educational content.
Kestelwick does not execute transactions, hold funds, or act as a broker, accountant, tax adviser, or legal adviser. The scope of available features may change over time. [Site owner to describe current features and any limitations.]
3. Eligibility and account responsibilities
To create an account, you may be asked to provide accurate contact and account information and to keep that information up to date. [Site owner to insert any eligibility requirements.]
- You are responsible for maintaining the confidentiality of your login credentials and for activity that occurs under your account.
- Notify the site owner promptly if you suspect unauthorised access to your account. Use the Contact page for such notices.
- You agree not to share accounts, circumvent access controls, or misrepresent your identity, unless a feature expressly permits shared access.
4. Acceptable use
You agree to use Kestelwick lawfully and only for its intended purpose. For example, you agree not to:
- Violate applicable laws or the rights of others, including privacy and intellectual property rights.
- Upload malicious code, attempt to disrupt the service, probe or test security without permission, or interfere with other users.
- Copy, scrape, resell, or systematically extract content or outputs except as expressly permitted.
- Submit inaccurate, misleading, or unlawful information, or use outputs to mislead others.
- Rely on the platform as the sole basis for significant financial, tax, or legal decisions without independent verification.
The site owner may establish additional usage limits, such as fair-use or technical limits. [Insert any rate limits, storage limits, or permitted-use details, if applicable.]
5. Analysis only — no advice and no guaranteed outcomes
Content and outputs provided by Kestelwick are for general information and decision support only. They are not financial advice, investment advice, tax advice, accounting advice, or legal advice, and they do not create a professional-client relationship.
Analysis is based on information you provide and on models that may be incomplete, delayed, or inaccurate. Outcomes are not guaranteed. Financial decisions involve risk, and past patterns do not predict future results. Always review information carefully, consider your own circumstances and risk tolerance, and seek independent advice from a qualified professional where appropriate.
You remain solely responsible for any decisions you make and for verifying figures, assumptions, and deadlines before acting.
6. Plans, fees and cancellation
[To be completed by the site owner. Describe whether the service is free, freemium, or paid; billing frequency; refund policy; trial terms; and how users can cancel.]
If fees apply, you agree to pay the charges shown at checkout for the plan you select, and to provide accurate billing information where required. Any promotional terms should be described clearly before purchase.
7. Intellectual property and user inputs
The website, including its design, text, graphics, and software, is owned by or licensed to the site operator and is protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, non-commercial review in accordance with these Terms, unless otherwise agreed in writing.
You retain rights in information and materials you submit. By submitting inputs, you grant the operator the limited right to process that information to operate, maintain, and improve the service as described in the Privacy Policy. [Site owner to confirm data handling, retention, and whether inputs are used for model improvement.]
You must not remove proprietary notices, copy substantial parts of the service, or create derivative products that compete with Kestelwick without permission.
8. Availability, warranties and limitation of liability
The platform is provided on an “as available” basis. To the maximum extent permitted by applicable law, and subject to any non-excludable rights you may have, the operator disclaims implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
The operator does not warrant that the service will be uninterrupted, error-free, secure, or free from loss or corruption of data. You are responsible for maintaining your own backups of important records.
[Site owner to insert liability limitations after legal review. Example topics to address with counsel: cap on liability, exclusion of indirect or consequential loss, and any rights that cannot be limited under applicable law.] Nothing in this draft is intended to exclude liability where exclusion would be unlawful.
9. Suspension, termination and third-party links
The operator may suspend or terminate access where reasonably necessary, for example to address security issues, prevent misuse, comply with legal obligations, or discontinue a feature. Where practical, notice will be provided. You may stop using the service at any time and may request account closure via the Contact page. [Insert data retention and deletion process.]
The site may contain links to third-party websites or services for convenience. The operator does not control and is not responsible for third-party content, policies, or practices. Review third-party terms before use.
10. Changes to these Terms and general provisions
These Terms may be updated from time to time, for example to reflect new features or operational requirements. The current version will be posted on this page with an updated date. Continued use after changes take effect indicates acceptance of the revised Terms. [Site owner to confirm notice process for material changes.]
- Entire understanding: These Terms, together with referenced policies, describe the general terms for use of the site. [Insert any order of precedence or additional agreements.]
- Severability: If any provision is found unenforceable, the remaining provisions continue in effect.
- Governing law and disputes: [To be completed after legal advice — insert governing law, dispute process, and contact method.]
- Contact: For questions about these Terms, use the Contact page. [Site owner to insert preferred contact route.]
Terms are easier to use in context
These Terms work alongside the Privacy Policy and the explanatory content elsewhere on Kestelwick. If language is unclear, focus on the practical meaning: what you may do, what you are responsible for, and where independent advice is needed.
- ✓ Check the section headings to find the topic you need.
- ✓ Note any bracketed items — those are places the site owner will finalise.
- ✓ For account or billing questions, use the Contact page.
