Terms of Service
These Terms of Service ("Terms") govern your access to and use of the Stewardancy website, tools, and related services (collectively, the "Service"). 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 is a general draft template provided for informational purposes. It has not been reviewed by legal counsel and should be adapted to reflect your specific business practices and applicable jurisdiction before use.
1. About the Service
Stewardancy provides data analysis, predictive modelling, and informational tools intended to support freelancers and independent consultants in understanding and organising their financial information. The Service is provided for informational and planning purposes only.
Stewardancy does not provide regulated financial advice, tax advice, legal advice, or investment recommendations. Any outputs, projections, or insights generated by the Service are based on data provided by you and general modelling assumptions, and should not be relied upon as a substitute for professional advice from a qualified advisor.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Service, you represent that you meet these requirements and that you are using the Service for lawful purposes related to your own freelance or consulting activity.
3. Account Registration
To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are responsible for maintaining the confidentiality of your account 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. Stewardancy is not liable for any loss arising from your failure to safeguard your account credentials.
4. Acceptable Use
When using the Service, you agree not to:
Unlawful Use
Use the Service for any unlawful purpose or in violation of any applicable local, national, or international law.
Data Misuse
Submit false, misleading, or third-party financial data without authorisation, or attempt to manipulate outputs for fraudulent purposes.
System Interference
Attempt to probe, scan, disrupt, reverse-engineer, or otherwise interfere with the integrity or performance of the Service.
Unauthorised Access
Attempt to gain unauthorised access to any account, system, or network connected to the Service.
Automated Scraping
Use bots, scrapers, or automated tools to extract data or content from the Service without prior written consent.
Resale
Resell, sublicense, or commercially redistribute access to the Service without express written permission.
5. Subscription, Fees, and Payment
Certain features of the Service may require payment of fees. Where applicable, fees, billing cycles, and renewal terms will be presented to you prior to purchase. All fees are non-refundable except where required by applicable law or expressly stated otherwise.
We reserve the right to change our pricing structure at any time, with reasonable notice provided to existing subscribers in advance of any change taking effect on their account.
6. Intellectual Property
All content, software, design elements, trademarks, and other materials comprising the Service are the property of Stewardancy or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Service except for the limited, non-exclusive, non-transferable right to use the Service in accordance with these Terms.
7. User-Submitted Data
You retain ownership of any data you submit to the Service. By submitting data, you grant Stewardancy a limited licence to process, store, and analyse that data solely for the purpose of providing and improving the Service to you. You are solely responsible for the accuracy and legality of any data you submit.
8. No Financial Advice Disclaimer
The Service is a tool to assist with organisation and analysis of financial information. Outputs, forecasts, and insights are generated algorithmically and are inherently uncertain. Stewardancy makes no warranty as to the accuracy, completeness, or reliability of any output. You should independently verify any information before making financial, tax, or business decisions, and consult a qualified professional advisor where appropriate.
9. Disclaimer of Warranties
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 implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Stewardancy does not warrant that the Service will be uninterrupted, timely, secure, or error-free.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Stewardancy and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities arising out of 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 excludes or limits liability for death, personal injury, or fraud, or any other liability that cannot be excluded or limited by applicable law.
11. Indemnification
You agree to indemnify and hold harmless Stewardancy and its affiliates 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 violation of any rights of a third party.
12. Suspension and Termination
We reserve the right to suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent or unlawful activity, or posed a risk to the security or integrity of the Service. You may terminate your account at any time by discontinuing use of the Service and, where applicable, cancelling your subscription.
13. Changes to the Service
We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.
14. Changes to These Terms
We may update these Terms from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will indicate the date of the most recent revision below. Continued use of the Service after any changes take effect constitutes acceptance of the revised Terms.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the United Kingdom, except where applicable consumer protection law provides otherwise.
16. Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stewardancy regarding your use of the Service and supersede any prior agreements between you and Stewardancy relating to the Service.
18. Contact
If you have any questions about these Terms, please get in touch via our contact page.
Last updated: This is a template document and should be dated at the time of publication.