EQUITYFLOW TERMS OF SERVICE

Version 1.6 | Effective Date: 14 May 2026

These Terms of Service ("Terms") govern your access to and use of the EquityFlow platform. By registering an account, you agree to be bound by these Terms.

1. NATURE OF SERVICE: EDUCATIONAL SOFTWARE & AI LIMITATIONS

1.1 Product Definition: EquityFlow is a proprietary Software-as-a-Service (SaaS) platform providing administrative productivity tools, data organisation modules, and AI-driven legal research frameworks.

1.2 No Legal Advice: EquityFlow is a technology company, not a law firm. We do not provide regulated legal advice, legal opinions, or bespoke legal strategy. No solicitor-client relationship is formed through the use of this platform.

1.3 AI "Hallucination" Disclaimer: EquityFlow utilises advanced Large Language Models (LLMs). While our architecture is engineered to reduce errors, AI systems can "hallucinate" or generate inaccurate, incomplete, or fictitious information. All outputs generated by the AI agents are strictly "draft-quality" data points.

1.4 User Responsibility: The User acts as a Litigant in Person or self-representing individual. The User retains 100% absolute responsibility for verifying the accuracy, lawfulness, and procedural suitability of any output, statute, or case law citation before it is submitted to any opponent, tribunal, or court.

1.5 Age & Eligibility: To register an account and use the EquityFlow platform, you must be at least 18 years of age and possess the legal capacity to enter into a binding contract under the laws of England and Wales.

1.6 Sanctions & Export Compliance: By accessing the platform, you represent and warrant that you are not located in a sanctioned country, nor are you listed on any UK, EU, or US sanctions list (including but not limited to the OFSI Consolidated List or the US Specially Designated Nationals list). Use of the platform from sanctioned jurisdictions is strictly prohibited and will result in immediate account termination.

2. THIRD-PARTY DATA SOURCES

2.1 Public APIs: EquityFlow integrates with third-party public databases (e.g., Legislation.gov.uk, Companies House, HM Land Registry). EquityFlow is an independent entity and is not affiliated with, endorsed by, or operating on behalf of the UK Government or any public body.

2.2 Data Accuracy: We do not guarantee the real-time accuracy, uptime, or completeness of the data retrieved from these external third-party sources.

3. SUBSCRIPTIONS, CREDITS, AND BILLING

3.1 Access & Scaling: Access to the platform is provided via tiered subscription models. EquityFlow reserves the absolute right to refuse service or cancel any subscription at our sole discretion, at any time, with or without cause.

3.2 Credit Allocation: Subscriptions and "Bolt-On" packs grant an allocation of "Usage Credits." Credits represent computational processing power consumed by the AI modules. Credits have no cash value, cannot be exchanged for fiat currency, and are consumed at varying rates depending on the computational complexity of the requested task.

3.3 No Refunds: Due to the digital nature of the service and the immediate consumption of server computational resources, all sales are final. EquityFlow does not offer refunds. Users may cancel their subscription at any time via their dashboard to prevent future billing.

3.4 Prohibited Chargebacks: Users agree that "dissatisfaction with a logic output," "user error," or "loss of an administrative challenge" does not constitute valid grounds for a payment dispute or chargeback.

3.5 Statutory Waiver of 14-Day Cooling-Off Period: Under the English Consumer Contracts Regulations 2013, consumers generally possess a 14-day right to cancel digital purchases. However, by registering an account, purchasing a subscription or credit pack, and immediately accessing the digital content (consuming AI credits), you provide express consent to waive this 14-day cooling-off period and acknowledge that you lose the right to cancel for a refund once access is granted.

4. ACCEPTABLE USE POLICY (THE "STRIPE SAFEGUARD")

4.1 Lawful Use: Users agree to use the platform strictly for lawful administrative and procedural purposes within the jurisdiction of England and Wales.

4.2 Prohibited Tactics: Users are strictly prohibited from using the platform to:

Generate documents intended for the evasion of valid debts or statutory obligations.
Facilitate harassment, "paper terrorism," or the filing of fraudulent commercial liens.
Promote or execute "pseudolegal" theories or "Organised Pseudolegal Commercial Arguments" (OPCA) (e.g., "Freeman on the Land", "Strawman" theories) as defined by the courts.
4.3 Prohibited "High-Risk" Legal Domains: The platform is designed strictly for civil administrative, procedural, and commercial matters. Users are expressly prohibited from relying on EquityFlow for high-risk legal domains, including but not limited to: criminal defence, immigration/asylum proceedings, child welfare/family law disputes, or any matter where the user's personal liberty or physical safety is at stake.
4.4 System Abuse, Hacking, Scraping & Reverse Engineering: Users must not attempt to hack, reverse-engineer, decompile, or launch "prompt injection" attacks designed to extract EquityFlow’s underlying system instructions, prompt architecture, or source code. Furthermore, the use of automated extraction tools—including but not limited to web scrapers, crawlers, bots, spiders, or AI training pipelines—to access or extract data from the platform is strictly prohibited. Any attempt to steal, scrape, or reverse-engineer the proprietary AI architecture will result in immediate, permanent bans and aggressive legal action. EquityFlow reserves the right to pursue civil litigation for intellectual property theft, seek immediate injunctive relief, claim substantial financial damages, and report unauthorised access to law enforcement under the Computer Misuse Act 1990 and the Copyright and Rights in Databases Regulations 1997.
4.5 Account Termination: EquityFlow reserves the right to terminate access or cancel subscriptions immediately, without refund, if a user is found to be using the platform for prohibited high-risk activities, abuse, or system manipulation.
4.6 Data Export Grace Period: Upon standard cancellation of a subscription, users will retain read-only access to export their generated DOCX files and historical data for a period of thirty (30) days. However, if an account is terminated by EquityFlow for severe abuse, hacking, or a breach of this Acceptable Use Policy, access is revoked immediately, and all data may be permanently deleted without a grace period.
4.7 Confidentiality of Court Proceedings: The User is solely responsible for complying with all applicable court rules regarding confidentiality, reporting restrictions, and sealed documents (including but not limited to the Civil Procedure Rules and Family Procedure Rules). If a User uploads documents from closed hearings or sealed tribunals, the User assumes all legal liability for maintaining that confidentiality. EquityFlow accepts no liability for contempt of court or breach of reporting restrictions arising from the User's actions.

5. INTELLECTUAL PROPERTY & SYSTEM PROVENANCE

5.1 Proprietary Platform: The EquityFlow platform, including the KaCi cognitive architecture, the primary sub-agents (TLB, Red Team, LexSuade, Examinatus), and the expanding suite of standalone specialist agents, are original, proprietary digital assets authored exclusively by Brian Reece.

5.2 The Constitutional Knowledge Base: The system's foundational legal and constitutional knowledge is built strictly upon public domain historical statutes and established case law. EquityFlow’s interpretation and application of this public domain data is entirely independent. EquityFlow is not derived from, copied from, affiliated with, or endorsed by any external entity, online content creator, common law court, or unincorporated association.

5.3 The Proprietary AI Architecture: While the system utilises universally recognised behavioural, logical, and strategic methodologies (such as Toulmin and Lorange argumentation frameworks, or Cialdini behavioural concepts), these methodologies have been independently adapted, completely reconstructed, and rewritten into bespoke, highly complex AI prompting languages specifically for legal administration. This translation into proprietary AI code constitutes a new, original, and legally protected derivative work owned exclusively by the platform's founder.

5.4 Commercial Exploitation Strictly Prohibited: Users are granted a limited, revocable, non-exclusive license to use the platform solely for personal administrative purposes. All exported documents, PDFs, DOCX files, and reports generated by the platform remain subject to these restrictions. Commercial resale, white-labelling, sub-licensing, API wrapping, mass distribution, or scraping of EquityFlow outputs or system architecture is strictly prohibited. Any user caught commercially exploiting the platform’s outputs or replicating its architecture for a competing service will face immediate account termination and civil litigation for breach of contract and IP infringement.

5.5 User Feedback & Agent Suggestions: If a user provides feedback, ideas, or suggestions for new platform features or standalone agents (e.g., via the Agent Foundry), EquityFlow shall have the absolute, perpetual right to use, implement, and commercialise those ideas without any obligation, royalty, or compensation to the user.

6. LIMITATION OF LIABILITY & INDEMNITY

6.1 "As-Is" Service: The service is provided "as-is" and "as-available." We do not guarantee that the software will be error-free or that AI-generated logic will be accepted by any third party, public body, or court.

6.2 Disclaimer of Implied Warranties: To the maximum extent permitted by applicable law, EquityFlow expressly disclaims all implied warranties, conditions, or representations, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, security, accuracy, and non-infringement.

6.3 No Liability for Outcomes: EquityFlow, its founder (Brian Reece), its developers, and its affiliates shall not be liable for any direct, indirect, or consequential loss resulting from the use of the platform, including but not limited to: court costs, fines, adverse judgments, loss of data, or loss of rights.

6.4 User Indemnity: The User agrees to indemnify and hold EquityFlow harmless from any claims, damages, or legal fees arising from the User's submission of AI-generated content to third parties, or from any breach of these Terms.

6.5 Financial Liability Cap: To the maximum extent permitted by UK law, if EquityFlow is found liable for any loss or damage arising out of or relating to these Terms or the use of the platform, our total aggregate liability shall under no circumstances exceed the total amount paid by the User to EquityFlow for the platform subscription in the twelve (12) months immediately preceding the event giving rise to the claim, or £100, whichever is greater.

6.6 IT Security and Viruses: EquityFlow takes reasonable precautions to secure its platform; however, we do not guarantee that the service will be secure or free from bugs or viruses. The User is solely responsible for configuring their own information technology, computer programs, and platform to access our service. The User must use their own virus protection software. EquityFlow accepts no liability for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material.

6.7 Statutory Exceptions: Nothing in these Terms excludes or limits EquityFlow's liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.

7. DATA PRIVACY, SECURITY & CHAT ACCESS

7.1 Data Processing & Security: We process user-uploaded data to provide the requested AI analysis. User data is isolated using Row Level Security (RLS) within our database architecture. We are fully GDPR compliant and do not sell user data to third parties.

7.2 Financial Data: All payments are processed via a secure, PCI-compliant third-party processor (Stripe). EquityFlow does not store or process sensitive credit card information on its servers.

7.3 Confidentiality & Redaction: Users are responsible for ensuring they have the lawful right to upload documents to the platform. Users are strongly advised to redact highly sensitive personal identifiers (e.g., banking passwords, national insurance numbers) before uploading unless strictly necessary for document generation.

7.4 Platform Support & System Improvement (Access to Conversations): To ensure the operational stability of the platform, Users explicitly grant EquityFlow administrators the right to view encrypted chat conversations and generated documents for the sole purposes of (a) providing technical support or resolving user-reported issues, and (b) analysing AI performance to improve prompting workflows and service quality. All such reviews are conducted under strict confidentiality. Any data used for broader system development or AI training will be thoroughly anonymised to strip away personally identifiable information in accordance with UK GDPR.

7.5 Compelled Disclosure & Statutory Requests: If EquityFlow receives a valid court order or statutory demand from a public body or law enforcement agency requesting access to a User's data, we will attempt to notify the User promptly via their registered email before disclosing any information, unless we are legally prohibited from doing so. This ensures the User has the opportunity to seek a protective order or legally challenge the request.

7.6 Account Security Responsibility: Users are solely responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. The User agrees to notify EquityFlow immediately of any unauthorised access or suspected breach of security. EquityFlow cannot and will not be liable for any loss or damage arising from the User's failure to adequately secure their password.

7.7 Session Monitoring and Anti-Abuse: To protect the integrity of the platform and prevent systematic data extraction or account sharing, Users explicitly consent to session fingerprinting, rate limiting, and anomalous access pattern detection. EquityFlow reserves the right to temporarily or permanently suspend any account exhibiting suspicious activity—such as high-frequency automated requests or simultaneous logins from multiple geographic locations—without prior notice.

7.8 Public Sharing of Conversation Threads

The platform provides a feature allowing Users to generate a temporary, shareable web link to their specific conversation threads. This link automatically expires and is permanently deactivated after seven (7) days. By utilising this feature, the User acknowledges and agrees to the following:

Absolute User Responsibility: The User is 100% responsible for reviewing the thread and redacting all personal, financial, or sensitive information before generating a share link. EquityFlow accepts absolutely no liability for any data breach, loss of privacy, or GDPR violation that occurs as a result of a User voluntarily sharing their conversation thread with third parties or the public.
No Third-Party Reliance: Shared threads are provided for educational and demonstrative purposes only. Any third party viewing a shared thread must not construe the AI-generated outputs as legal advice. EquityFlow owes no duty of care or Fiduciary obligation to any third-party recipient of a shared link.
Prohibition on Commercial Distribution: The sharing feature is strictly for personal collaboration or peer review. Users are prohibited from using the sharing feature to commercially distribute EquityFlow's proprietary architecture, resell access to AI outputs, or act as an unlicensed legal service provider. EquityFlow reserves the right to terminate any share link immediately if it detects abuse or a breach of these Terms.

8. DISPUTE RESOLUTION, GOVERNING LAW & GENERAL PROVISIONS

8.1 Informal Dispute Resolution (Mandatory Cooling-Off): Before initiating any formal legal proceedings or small claims action against EquityFlow, the User agrees to first attempt to resolve the dispute informally. The User must provide written notice of the dispute via email to our official support channel and allow a strict thirty (30) day "cooling-off" period for EquityFlow to investigate and propose a resolution.

8.2 Governing Law: This agreement is governed by the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

8.3 Modifications & Notice Period: EquityFlow reserves the right to modify these Terms or its subscription pricing at any time. For material changes, including price increases, active users will be provided with at least thirty (30) days advance written notice via email or dashboard notification before the revised Terms take effect. Continued use of the platform following such notice constitutes acceptance of the revised Terms. Non-material changes may be made without advance notice.

8.4 Force Majeure: EquityFlow shall not be liable for any failure or delay in performance under these Terms resulting from acts or circumstances beyond our reasonable control, including but not limited to: acts of God, global internet outages, downtime of third-party APIs (e.g., OpenAI, Google Gemini, Vercel), cyber-attacks, distributed denial-of-service (DDoS) attacks, or governmental actions.

8.5 Survival: Upon termination or cancellation of the User's account, any provisions of these Terms which by their nature should survive termination shall survive, including but not limited to: Section 4.4 (Hacking & Reverse Engineering), Section 5 (Intellectual Property), Section 6 (Limitation of Liability & Indemnity), and Section 8 (Dispute Resolution & Governing Law).

9. 1-ON-1 CONSULTING & STRATEGIC ASSESSMENTS

9.1 Scope of Service: The 1-on-1 Strategic Assessment is strictly for technical platform strategy and guidance on how to utilise the EquityFlow SaaS architecture. Brian Reece (and any EquityFlow consultant) acts solely as a technical SaaS strategist. We are not acting as your legal representative, solicitor, or "McKenzie Friend." We will not speak in court on your behalf, we will not draft documents for you off-platform, and we will not communicate with your opponents.

9.2 Right of Refusal & Triage: Submitting an intake application for a Strategic Assessment does not create a binding contract. EquityFlow reserves the absolute right to review, triage, and reject any consulting application during the 72-hour review period, without providing a reason, particularly if the case involves prohibited high-risk domains.

9.3 Payment, Cancellation & No-Shows: Payment for consulting sessions must be cleared via bank transfer strictly in advance. If you need to reschedule, you must provide at least 24 hours' notice. "No-shows" or cancellations made with less than 24 hours' notice will result in the forfeiture of the consulting fee to compensate for lost preparation time.

9.4 Statutory Waiver for Consulting: By booking and attending a consulting session within 14 days of your payment, you expressly consent to the immediate execution of the service and acknowledge that you waive your 14-day statutory right to cancel for a refund under the Consumer Contracts Regulations 2013.

9.5 Confidentiality & Call Recording Ban: To protect the confidentiality of all parties and prevent the misuse of strategic guidance as "legal advice," Users are strictly prohibited from recording the audio or video of the consulting session (via Zoom, Google Meet, screen capture, or any other method) without the explicit, prior written consent of the EquityFlow consultant.

9.6 Consulting Liability Cap: If EquityFlow or its consultants are found liable for any loss or damage specifically arising out of the 1-on-1 Strategic Assessment, our total aggregate liability for that claim shall under no circumstances exceed the cost paid by the User for that specific consulting session.