Terms of Use

These Terms of Use govern your use of Cleera (the 'Service'), currently operated by the creator(s) of Cleera.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.

• Users: Individuals who access or use the Service, including mortgage advisers, clients, and administrators.
• Content: All information, data, text, documents, graphics, logos, and other materials that may be created, uploaded, or accessed through the Service.
• Subscription: The recurring payment arrangement that grants access to the Service.

To use certain features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Access to the Service may require payment of subscription fees. All fees are exclusive of taxes unless stated otherwise. Pricing information is available on our website and may be changed upon reasonable notice.

Subscription fees are charged in advance on a recurring basis. Cancellation of your subscription will take effect at the end of your current billing cycle. No refunds will be provided for partial subscription periods.

By submitting payment information, you authorise us to charge your payment method for the subscription plan you have selected.

You agree not to:

• Use the Service in any way that violates any applicable law or regulation
• Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity
• Engage in any conduct that restricts or inhibits anyone's use of the Service
• Attempt to gain unauthorised access to any portion of the Service or any systems or networks connected to the Service
• Use the Service for any purpose that is unlawful or prohibited by these Terms
• Upload or transmit any malicious code or other material that may damage the operation of the Service
• Collect or track personal information of others

The Service and its original content, features, and functionality are owned by the creator(s) of Cleera and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any content you upload to the Service. By uploading content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content solely for the purpose of providing the Service to you.

The Service may include features that use artificial intelligence to analyze documents and generate content. You acknowledge that:

• AI-generated content may not be entirely accurate or complete
• You are responsible for reviewing and verifying all AI-generated content
• We make no warranties regarding the accuracy, completeness, or reliability of AI-generated content
• You will not rely solely on AI-generated content for financial, legal, or regulatory decisions

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. By using the Service, you consent to the collection and use of information as detailed in our Privacy Policy.

We comply with the UK Data Protection Act 2018 and the UK GDPR. For more information about how we process personal data, please see our Privacy Policy and Data Processing Agreement.

The Service may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

The Service is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

Nothing in these terms shall limit or exclude our liability for:

• Death or personal injury resulting from our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited by English law

To the fullest extent permitted by applicable law, in no event will we be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorised access, use, or alteration of your transmissions or content

Our total liability to you for all claims arising from or relating to these Terms or your use of the Service shall not exceed the amount paid by you to us during the twelve (12) months preceding the event giving rise to the liability.

The Service is intended to be used by mortgage advisers who are properly regulated by the Financial Conduct Authority (FCA). We do not provide regulated mortgage advice or any other regulated financial services directly through this platform.

Users who are mortgage advisers must comply with all applicable FCA regulations and are solely responsible for the advice they provide to their clients through or with the assistance of our Service.

You agree to defend, indemnify, and hold harmless the creator(s) of Cleera, their employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorised to use the Service.

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.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

These Terms, together with our Privacy Policy and Data Processing Agreement, constitute the entire agreement between you and us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.

If you have any questions about these Terms, please contact us at:

Email: legal@cleera.co.uk