1. About ChatIFA
ChatIFA is an AI-powered chat widget designed for UK financial adviser websites. It is operated as a sole-trader business based in Cardiff, Wales. Full legal name and registered address are available on request. By using ChatIFA, you agree to these terms. If you do not agree, please do not use the service.
2. Account terms
- Each ChatIFA account is linked to one website.
- You can sign in with a password or a magic link sent to your email address.
- You are responsible for keeping your email account secure.
- You must provide accurate information when creating your account.
3. Acceptable use
You agree not to:
- Use ChatIFA for any unlawful purpose or to promote illegal activities.
- Attempt to abuse, overload, or interfere with the service.
- Exceed the message limits of your plan through automated or artificial means.
- Use the service to send spam or unsolicited messages.
- Reverse-engineer, copy, or redistribute any part of the ChatIFA service.
4. Free tier and billing
- New accounts start on the free tier, which includes a one-time allowance of 25 AI chat messages. The free tier does not renew. Once the 25-message allowance is used, you must upgrade to a paid plan to continue using the chat.
- You can upgrade to a paid plan at any time. Paid plans include a monthly message allowance that renews each billing period.
- Paid plans are billed monthly. You can cancel at any time.
- If you cancel, your account remains active until the end of your current billing period and then reverts to the free tier limit. If you have already used your free-tier allowance, the chat will not accept new messages until you re-subscribe.
- We reserve the right to change our pricing with reasonable notice.
5. AI disclaimer
ChatIFA uses artificial intelligence to generate responses based solely on the content of your website. These responses are not financial advice. ChatIFA is a lead generation and information tool, not a regulated financial adviser. You are responsible for ensuring that the content on your website (which the AI draws from) is accurate and compliant with relevant regulations. We do not guarantee the accuracy, completeness, or suitability of any AI-generated response.
6. Limitation of liability
To the fullest extent permitted by law, ChatIFA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, arising from your use of ChatIFA. Our total liability for any claim related to the service shall not exceed the amount you have paid us in the 12 months preceding the claim.
7. Changes to these terms
We may update these terms from time to time. If we make material changes, we will notify you by email. Your continued use of ChatIFA after changes are posted constitutes acceptance of the updated terms.
8. Termination
- You may close your account at any time by contacting us.
- We may suspend or terminate your account if you breach these terms.
- Upon termination, your data will be deleted within 30 days.
- You can request an export of your data before account closure.
9. Governing law
These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
10. Contact
If you have any questions about these terms, please contact us at hello@chatifa.co.uk.