Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the website, tools, and services provided by Vempax ("we", "us", "our"). By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

2. Nature of the Service

Vempax provides an AI-driven data analysis and decision-support platform intended to help users explore retirement planning scenarios, assess risk tolerance, and consider capital preservation strategies. Our platform presents informational and educational content generated through analytical models.

Vempax does not provide regulated financial advice, investment recommendations, tax advice, or legal advice. Any outputs, projections, or suggestions generated by our tools are for informational purposes only and should not be relied upon as the sole basis for any financial decision. You should consult a qualified, independent financial adviser before making decisions about your retirement savings, investments, or financial affairs.

3. Eligibility

Our services are intended for individuals who are at least 18 years of age and are legally capable of entering into binding contracts. By using our website, you represent that you meet these requirements.

4. Account Registration and Briefing Requests

Certain features, such as requesting a briefing or consultation, may require you to provide accurate and complete information, including your name and contact details. You agree to provide truthful information and to update it as necessary. You are responsible for maintaining the confidentiality of any credentials associated with your use of our services.

5. No Guarantee of Outcomes

While our platform uses data analysis techniques to model scenarios and support decision-making, we make no representations or warranties regarding the accuracy, completeness, or reliability of any output, projection, or recommendation. Financial markets and personal circumstances are inherently uncertain, and past performance or modelled outcomes are not indicative of future results.

6. Acceptable Use

When using our website or services, you agree not to:

• Use the services for any unlawful purpose or in violation of any applicable regulation;
• Attempt to gain unauthorised access to our systems, data, or networks;
• Reverse engineer, copy, or misuse any proprietary models, algorithms, or content;
• Submit false, misleading, or fraudulent information;
• Interfere with or disrupt the integrity or performance of our website or services.

7. Intellectual Property

All content, design elements, software, text, graphics, and other materials available through our website are the property of Vempax or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of our website or services without prior written consent.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Vempax. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites. Accessing such links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Vempax shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial opportunity, arising out of or related to your use of, or inability to use, our website or services, even if advised of the possibility of such damages.

Our total aggregate liability for any claim arising out of or relating to these Terms or our services shall not exceed the amount, if any, paid by you to Vempax in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Vempax, its officers, employees, and representatives from any claims, damages, liabilities, and expenses arising out of your breach of these Terms or your misuse of our website or services.

11. Termination

We reserve the right to suspend or terminate your access to our website or services at our discretion, without notice, if we reasonably believe you have violated these Terms or engaged in conduct that may harm Vempax 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. The updated version will be posted on this page with a revised "Last updated" date. Continued use of our website after changes take effect 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, without regard to conflict of law principles. [This section should be confirmed and tailored by a qualified legal professional based on your specific business circumstances.]

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

If you have questions about these Terms, please get in touch via our contact page.