Terms of Service
These Terms and Conditions govern access to and use of Collateral Value Point. Please read them carefully before using the platform. This is a general draft and should be reviewed against applicable law before publication.
Last updated: [Insert Date] — placeholder, to be confirmed prior to publication.
Acceptance of Terms
By accessing or using Collateral Value Point, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, you should not use the platform.
Nature of the Service
Collateral Value Point provides automated data analysis and portfolio information tools based on read-only account connections. Outputs are informational in nature and do not constitute regulated investment advice or a recommendation to buy, sell, or hold any financial instrument.
Eligibility
The service is intended for use by individuals who are legally able to enter into binding agreements. By using Collateral Value Point, you represent that you meet this requirement and that any information you provide is accurate and current.
Account Access & Responsibilities
These provisions describe how the platform may be accessed and the responsibilities that apply to users of Collateral Value Point.
Account credentials. If account registration is required, you are responsible for maintaining the confidentiality of any login credentials and for all activity that occurs under your account. You should notify us promptly if you suspect unauthorised use.
Read-only data access. Where Collateral Value Point connects to external accounts or data sources, such access is limited to read-only retrieval for the purpose of analysis. Collateral Value Point does not initiate transactions, transfers, or trades on your behalf.
Acceptable use. You agree not to misuse the platform, including attempting to reverse-engineer, disrupt, or gain unauthorised access to any part of the service, or using it for any unlawful purpose.
Accuracy of inputs. Outputs generated by Collateral Value Point depend on the data made available to it. We are not responsible for inaccuracies arising from incomplete, outdated, or incorrect data supplied by you or a connected source.
- No investment advice or portfolio management is provided under these Terms.
- Access may be suspended for suspected misuse or security concerns.
- Users remain responsible for decisions made using platform outputs.
- Service features may be updated, modified, or withdrawn over time.
Limitations & Disclaimers
No Regulated Advice
Collateral Value Point is not a regulated financial adviser and does not provide personalised investment recommendations. Any analysis, scoring, or output generated by the platform should be treated as informational only and should not replace independent judgement or professional advice suited to your individual circumstances.
No Guarantee of Outcomes
Market conditions, data quality, and model behaviour may change. Collateral Value Point makes no representation or warranty regarding the accuracy, completeness, or reliability of any output, and past patterns identified by the platform are not indicative of future results.
Third-Party Services
The platform may rely on third-party data providers or infrastructure. Collateral Value Point is not responsible for interruptions, errors, or omissions originating from third-party systems outside of its direct control.
Limitation of Liability
To the fullest extent permitted by applicable law, Collateral Value Point and its operators shall not be liable for any indirect, incidental, or consequential loss arising from use of, or inability to use, the platform, including but not limited to financial loss resulting from decisions made in reliance on platform outputs.
Changes, Termination & Governing Law
Modifications to Terms
Collateral Value Point may update these Terms from time to time to reflect changes in the service, legal requirements, or operational practice. Continued use of the platform after changes take effect constitutes acceptance of the revised Terms.
Suspension & Termination
Access to the platform may be suspended or terminated where these Terms are breached, where required by law, or where continued access poses a security or operational risk. Users may also discontinue use of the service at any time.
Governing Law
These Terms are intended to be governed by the laws of the United Kingdom. This section is a general placeholder and should be confirmed with appropriate legal review before publication.
Contact Regarding These Terms
If you have questions about these Terms and Conditions, please refer to the contact details provided elsewhere on the Collateral Value Point website.