Consumer terms and conditions

1. Nature of the service

1.1 Meet Warren is an AI-powered financial co-pilot platform. Users can have conversations with Warren and receive financial summary reports.

1.2 The Service is provided for informational and educational purposes only. It does not constitute regulated financial advice, investment advice, tax advice, or legal advice.

1.3 You remain solely responsible for your financial decisions. You should seek guidance from a qualified financial adviser before making significant financial decisions.

2. Eligibility

2.1 You must be at least 18 years old to use the Service.

2.2 By using Meet Warren, you confirm that the information you provide is accurate and that you are legally capable of entering into these Terms.

3. User responsibilities

3.1 You agree to provide accurate and complete information when engaging with the Service.

3.2 You must not misuse the Service, including attempting to interfere with its normal operation or providing unlawful or harmful content.

3.3 You are responsible for maintaining the confidentiality of your account and access details.

4. Limitations of liability

4.1 We make no guarantee that Warren's outputs or reports are accurate, complete, or suitable for your individual circumstances.

4.2 We accept no liability for any loss, damage, or costs arising from reliance on information provided by Warren.

4.3 Nothing in these Terms excludes or limits our liability where it would be unlawful to do so (for example, in cases of fraud, fraudulent misrepresentation, or death/personal injury caused by negligence).

5. Intellectual property

5.1 All intellectual property rights in Meet Warren, including AI models, software, and generated reports, remain owned by Meet Warren or our licensors.

5.2 You are granted a limited, non-exclusive licence to use reports and outputs from Meet Warren for your personal use only.

6. Privacy and data protection

6.1 We process your personal data in accordance with our PrivacyPolicy.

6.2 You are responsible for ensuring that any information you share with the service does not breach third-party rights or applicable law.

7. Payment and cancellation

7.1 Fees and billing periods are shown at purchase. Subscriptions renew automatically unless cancelled.

7.2 You can cancel renewal in your account settings. Access continues until the end of the paid billing period.

7.3 Fees are non-refundable except where required by law. Your statutory rights, including any applicable 14-day cooling-off right, are unaffected. To exercise a cancellation right, contact info@meetwarren.co.uk.

8. Termination

8.1 To protect the integrity of the Service, we may review activity on your account if we reasonably believe there has been a breach of these Terms, misuse of the Service, or unusual behaviour.

8.2 Depending on the circumstances, we may take actions that include:

• sending you a warning,
• restricting certain features,
• temporarily suspending your access,
• permanently closing your account, or
• reporting matters to relevant authorities if required by law.

8.3 Decisions about enforcement are made at our discretion. While we aim to act fairly and proportionately, we are not obliged to explain or justify every action we take.

9. Governing law

9.1 These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9.2 If you access Meet Warren from outside the United Kingdom, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

10. Use of artificial intelligence

10.1 Meet Warren is an AI-powered system. When you interact with Warren, you are engaging with automated software, not a human financial adviser.

10.2 The Service is provided for informational and educational purposes only. It does not constitute regulated financial advice, investment advice, tax advice, or legal advice.

10.3 The Service is not authorised or regulated by the Financial Conduct Authority (FCA) or any equivalent body in other jurisdictions. Meet Warren cannot provide personalised regulated financial advice.

10.4 You remain solely responsible for verifying the accuracy and suitability of any information provided by Warren before relying on it or making financial decisions.

11. AI limitations and hallucinations

11.1 Warren may generate responses that are factually incorrect, incomplete, misleading, or unrelated to your query ("hallucinations"). These are an inherent limitation of artificial intelligence technology.

11.2 Hallucinations may occur even where outputs appear confident, detailed, or authoritative. You must not assume that the information provided by Warren is correct without independently verifying it.

11.3 We strongly recommend that you:

• Treat Warren's outputs as a starting point for further research.
• Cross-check important facts, figures, and recommendations with reliable sources.
• Obtain independent professional advice before making financial or other decisions based on Warren's outputs.

11.4 We are not responsible for any loss, damage, or cost arising from reliance on hallucinated, inaccurate, or misleading information generated by Warren.

12. Changes to terms

We may update these Terms from time to time. If we make material changes, we will notify you by updating the "Last updated" date and, where appropriate, by additional notice.