TERMS OF SERVICE
LAST UPDATED: 17 MARCH 2026
1. SERVICE DESCRIPTION
FINGAURD (“the Service”) is an AI-powered regulatory intelligence platform that provides compliance analysis, regulatory monitoring, and verification services for UK financial services firms. The Service is operated by FINGAURD Ltd (“we”, “us”, “our”).
The Service includes, but is not limited to: compliance Q&A with citation verification, regulatory change alerts, policy generation, FCA simulation, risk assessment, and multi-agent verification of AI-generated outputs.
2. IMPORTANT DISCLAIMER — NOT LEGAL ADVICE
FINGAURD IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE.
The information provided by the Service is for general informational and educational purposes only. It does not constitute legal, regulatory, or professional advice. You should not rely on outputs from FINGAURD as a substitute for professional legal counsel from a qualified solicitor or compliance consultant.
FINGAURD is not authorised or regulated by the Financial Conduct Authority (FCA), the Prudential Regulation Authority (PRA), or the Solicitors Regulation Authority (SRA). The Service uses AI models that may produce errors, and while we employ multi-agent verification to minimise inaccuracies, no AI system is infallible.
Always verify critical compliance decisions with qualified legal professionals before acting on information provided by the Service.
3. ACCEPTABLE USE
By using the Service, you agree not to:
- Use the Service for any unlawful purpose or in violation of applicable regulations
- Submit personal data of third parties without appropriate legal basis
- Attempt to reverse-engineer, decompile, or extract our AI models or proprietary algorithms
- Use automated scripts or bots to access the Service beyond normal API usage
- Resell, sublicense, or redistribute Service outputs without written permission
- Submit content that is illegal, harmful, threatening, abusive, or otherwise objectionable
- Attempt to circumvent security measures, rate limits, or access controls
- Use the Service to generate regulatory submissions without human review and sign-off
4. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINGAURD AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
- Loss of profits, revenue, or business opportunity
- Regulatory fines, penalties, or enforcement actions
- Loss of data or business interruption
- Damages arising from reliance on AI-generated outputs
- Costs of procuring substitute services
Our total aggregate liability for any claims arising from or related to the Service shall not exceed the amount you paid to us in the 12 months preceding the claim. This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise).
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.
5. INTELLECTUAL PROPERTY
The Service, including its software, AI models, user interface, documentation, and branding, is the intellectual property of FINGAURD Ltd and is protected by copyright, trademark, and other intellectual property laws.
You retain ownership of any data you submit to the Service. By using the Service, you grant us a limited licence to process your data solely for the purpose of providing and improving the Service.
AI-generated outputs (answers, policies, reports) are provided to you under a non-exclusive licence for your internal business use. You may use, modify, and incorporate these outputs into your compliance documentation.
Regulatory text sourced from the FCA Handbook, legislation.gov.uk, and other public regulatory sources remains in the public domain and is not claimed as our intellectual property.
6. SUBSCRIPTION AND PAYMENT
Access to the Service requires a paid subscription. Subscriptions are billed monthly as specified in your plan. All prices are exclusive of VAT unless stated otherwise.
We reserve the right to change pricing with 30 days' written notice. Existing subscriptions will be honoured at their current rate until the end of the billing period.
7. TERMINATION
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. We may suspend or terminate your access immediately if:
- You breach these Terms of Service
- You fail to pay fees when due
- Your use of the Service poses a security risk
- We are required to do so by law or regulation
Upon termination, you may request export of your data within 30 days. After this period, we may delete your data, except where regulatory retention obligations apply (see our Privacy Policy for retention periods).
8. SERVICE AVAILABILITY
We aim to provide 99.9% uptime but do not guarantee uninterrupted access. The Service may be temporarily unavailable for maintenance, updates, or circumstances beyond our control. We will provide reasonable notice of planned downtime where possible.
9. GOVERNING LAW
These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
10. CHANGES TO THESE TERMS
We may update these terms from time to time. Material changes will be communicated via email to registered users at least 30 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated terms.
11. CONTACT
Questions about these terms should be directed to: