Terms and Conditions

1. Acceptance of Terms

By accessing or using the Guardian Volt platform ("Service"), operated by Guardian Volt Ltd ("Company", "we", "us", or "our"), you ("User", "you", or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, you must not use our Service.

These Terms constitute a legally binding agreement between you and Guardian Volt Ltd. You represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Description of Service

Guardian Volt provides software tools to assist Deputies, Attorneys under Lasting Powers of Attorney (LPA), and Court-appointed Guardians in:

• Tracking financial transactions for protected persons (P)
• Connecting to bank accounts via secure third-party services (Plaid/TrueLayer)
• Generating OPG102/OPG103 Deputy Reports using AI-assisted categorisation
• Storing documents and generating PDF reports

4. User Obligations and Representations

By using the Service, you represent and warrant that:

• Legal Authority: You have valid legal authority (such as a Deputyship Order, LPA, or Court appointment) to manage the finances of the protected person (P) whose accounts you connect.
• Account Ownership: You will only connect bank accounts for which you have legal authority to access.
• Accurate Information: All information you provide is accurate, complete, and current.
• Review Responsibility: You will review all AI-generated categorisations and report content before filing with any court or authority.
• Compliance: You will comply with all applicable laws, including guardianship laws, data protection laws, and court requirements.
• Confidentiality: You will maintain the confidentiality of your account credentials and immediately notify us of any unauthorised access.
• No Misuse: You will not use the Service for any illegal, fraudulent, or unauthorised purpose.

6. Third-Party Services and Data Processing

Our Service integrates with third-party services to provide functionality:

• Bank Connectivity: TrueLayer for secure bank account connections
• AI Processing: Anthropic (Claude) and OpenAI for transaction categorisation and content generation
• Payment Processing: Stripe for subscription billing
• Authentication: Clerk for secure login and multi-factor authentication
• Cloud Storage: Amazon Web Services (AWS) for document storage

By using our Service, you consent to the processing of your data by these third-party services as described in our Privacy Policy. Transaction descriptions and financial data may be sent to AI providers for categorisation purposes.

7. Subscription and Billing

7.1 Fees: Access to certain features requires a paid subscription. Current pricing is displayed on our pricing page. All prices are inclusive of VAT where applicable.

7.2 Billing Cycle: Subscriptions are billed in advance on a monthly or annual basis. Your subscription will automatically renew unless cancelled before the renewal date.

7.3 Cancellation: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial periods.

7.4 Price Changes: We reserve the right to change subscription prices with 30 days' notice. Continued use after price changes constitutes acceptance of new pricing.

7.5 Consumer Rights: Nothing in these Terms affects your statutory rights under the Consumer Rights Act 2015.

8. Intellectual Property

8.1 Our Property: The Service, including its design, code, features, and documentation, is owned by Guardian Volt Ltd and protected by copyright, trademark, and other intellectual property laws.

8.2 Your Content: You retain ownership of the data and content you input into the Service. You grant us a limited licence to process your data solely to provide the Service.

8.3 Reports: Reports generated using the Service are your property. However, you may not claim that Guardian Volt or Guardian Volt Ltd endorses or guarantees the accuracy of such reports.

10. Indemnification

You agree to indemnify, defend, and hold harmless Guardian Volt Ltd, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Service
• Your breach of these Terms
• Your violation of any applicable law or regulation
• Inaccuracies in reports you file with any court or authority
• Your failure to review AI-generated content
• Claims by the protected person (P), their family, or any third party arising from your use of the Service
• Your misrepresentation of legal authority to access accounts

11. Dispute Resolution

11.1 Informal Resolution: Before initiating formal proceedings, you agree to contact us at legal@guardianvolt.com to attempt to resolve any dispute informally within 30 days.

11.2 Jurisdiction: Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11.3 Alternative Dispute Resolution: We may agree to submit disputes to mediation or arbitration as an alternative to court proceedings.

12. Data Protection and Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal data in accordance with UK GDPR and Data Protection Act 2018.

By using the Service, you consent to:

• The collection and processing of your data as described in our Privacy Policy
• The transmission of transaction data to AI providers for categorisation
• The storage of your data on servers located in the UK and European Economic Area

13. Termination

13.1 By You: You may terminate your account at any time by contacting us or using the account deletion feature in settings.

13.2 By Us: We may suspend or terminate your access to the Service immediately, without prior notice, if:

• You breach any provision of these Terms
• We reasonably believe you are engaged in fraudulent or illegal activity
• Required by law or court order
• Your account has been inactive for more than 12 months

13.3 Effect of Termination: Upon termination, your right to use the Service ceases immediately. You may request export of your data within 30 days of termination. After 30 days, your data may be permanently deleted.

13.4 Survival: Sections 3, 9, 10, 11, and 14 shall survive termination.

14. General Provisions

14.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

14.2 Entire Agreement: These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Guardian Volt Ltd regarding the Service.

14.3 Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

14.4 Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.5 Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

14.6 Force Majeure: We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending an email to your registered email address
• Displaying a notice within the Service

Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

16. Contact Information

For questions about these Terms, please contact us:

• Company: Guardian Volt Ltd
• Email: legal@guardianvolt.com
• Support: support@guardianvolt.com
• Data Protection: privacy@guardianvolt.com