Terms and Conditions

1. Acceptance of Terms

By using this website, submitting a form, or engaging with any content or service offered by Oak Capvern App, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the website and services immediately.

2. Description of Service

Oak Capvern App provides informational content, decision-support tools, and AI-assisted resources intended to help UK investors and small business owners evaluate options and make more informed decisions. Nothing on this website constitutes financial, legal, tax, or investment advice, and no content should be relied upon as a substitute for advice from a suitably qualified professional.

3. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract to use our website or services. By using the site, you represent and warrant that you meet these requirements and that any information you provide to us is accurate and complete.

4. Use of the Website

You agree to use the website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this site by any third party. Prohibited activities include, without limitation:

• Attempting to gain unauthorised access to any part of the website or its underlying systems
• Introducing viruses, malware, or other harmful code
• Scraping, copying, or reproducing content without our prior written consent
• Using automated tools to interact with the website in a way not intended by us
• Impersonating any person or entity, or misrepresenting your affiliation with any party

5. No Financial or Investment Advice

Any content, tools, or AI-generated output provided through Oak Capvern App is for general informational purposes only. We do not act as a financial adviser, broker, or fiduciary. You should seek independent, professional advice before making any financial, investment, or business decision. Past outcomes or illustrative examples referenced on this website are not guarantees of future results.

6. Intellectual Property

Unless otherwise stated, all content on this website — including text, graphics, logos, layouts, and software — is the property of Oak Capvern App or its licensors and is protected by applicable intellectual property laws. You may view and print content for personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, requires our prior written consent.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Oak Capvern App. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Inclusion of any link does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by law, Oak Capvern App 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 in connection with your use of, or inability to use, the website or services, even if we have been advised of the possibility of such damages. Nothing in these Terms shall exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

9. Disclaimer of Warranties

The website and all content are 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 accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

10. Indemnification

You agree to indemnify and hold harmless Oak Capvern App, its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the website, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We reserve the right to suspend or terminate your access to the website or any service, without notice, if we reasonably believe you have violated these Terms or engaged in conduct that we deem harmful to Oak Capvern App or other users.

12. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, services, or legal requirements. Any changes will be posted on this page with an updated revision date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable consumer protection law.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact

Questions about these Terms should be directed to Oak Capvern App through the contact details provided on our website. This document is provided as a general template and does not constitute legal advice.

Last updated: [Insert date]. This page is a general draft and should be reviewed by a qualified legal professional prior to publication.