Terms of Service

1. Who you're contracting with

These terms are between you ("you", "the Customer") and Wealth Analytica Ltd ("we", "us", "Wealth Analytica"), registered in England and Wales. By signing up for a free trial, paid subscription, or any service we offer, you agree to be bound by these terms.

2. What we provide

Wealth Analytica is a software-as-a-service platform for Independent Financial Advisers (IFAs) covering client management, portfolio building, AI research, compliance, and reporting. We provide it as-described on www.wealthanalytica.com, with the features active at the time of your subscription.

We provide analysis — not regulated financial advice. The professional judgement applied to client recommendations remains yours.

3. Your account

You must keep your login credentials confidential, enable multi-factor authentication, and not share access with anyone outside your firm. You're responsible for everything done under your account.

You must be at least 18 years old and have authority to bind your firm to these terms.

4. Acceptable use

You agree not to:

• Use the platform to break the law (FCA rules, GDPR, money laundering legislation, sanctions regimes).
• Attempt to reverse-engineer, scrape, decompile or otherwise extract our source code or models.
• Resell, sub-license or white-label the platform without a written agreement.
• Upload malware, run penetration tests without prior written approval, or attempt to exceed your authorised access.
• Use the platform in a way that overloads or disrupts service for other customers.

5. Free trials

Free trials run for 7 days from the date you sign up, with full platform access. No credit card is required. The trial ends automatically — you'll need to actively choose to subscribe to continue. You can cancel any time during the trial and we'll delete your data within 30 days on request.

6. Pricing and payment

Subscription pricing is published on our pricing page. Fees are payable monthly or annually in advance, by direct debit or card. All prices are in GBP. No VAT is charged.

If a payment fails, we'll attempt to take it again within 7 days and notify you by email. If we still can't take payment after 14 days, we may suspend access until the balance is settled.

We may change pricing with 30 days' notice. Existing customers' renewal pricing is honoured at the rate in place when they signed up, unless we agree otherwise.

7. Cancellation

There is no minimum term. You can cancel at any time by giving 30 days' notice, from inside the platform or by emailing hello@wealthanalytica.com. Your subscription then ends at the end of the billing period (the month, or the year if you pay annually) in which the 30 days' notice ends, and fees are payable up to that date. For example, if you pay monthly from the 1st of each month and give notice on 15 June, your notice ends on 15 July and your subscription ends on 31 July. We don't pro-rate refunds for unused time within a billing period unless required by consumer-protection law.

After cancellation, your account remains accessible (read-only) for 30 days for data export. Your data is permanently deleted 90 days after cancellation, or sooner on request. Copies in our secure backups are deleted on their normal cycle, within 30 days. A small number of archived copies made before October 2026 are held in a locked archive until 2033 and are never used to restore a deleted firm.

8. Data ownership

You own your data, including your clients' data. Your firm is the data controller for your clients' personal data. We process it only on your instructions, as your data processor, under our Data Processing Agreement (available on request).

We never sell or share any person's data, or your firm's client data, with anyone. It is handled only by the service providers that run the platform for us (such as hosting and email delivery), under contract and on our instructions; by services you choose to connect (such as Intelliflo); or where the law requires it.

You can export your data whenever you wish. Reports, analysis and documents download as PDF, and portfolios, charts, screens, cashflow plans and completed forms export to CSV or Excel. For a complete copy of everything we hold for your firm, email hello@wealthanalytica.com and we will send it to you in standard formats.

We use anonymised, aggregated data to improve and enhance the service, including to surface insights and trends inside the platform. Anonymised data cannot identify any person or firm, so it is no longer personal data. We may publish insights and trends drawn from anonymised, aggregated data, for example on our website or in reports for our partners. These never identify any person or firm, never include a firm's own figures, and are only drawn from groups large enough that no one can be singled out. We never sell your data.

We own the Wealth Analytica platform, code, models, branding, and the anonymised, aggregated insights described above.

9. Service-level commitments

Target uptime: 99.9% measured monthly, excluding scheduled maintenance announced at least 48 hours in advance. Status and incident history are published at the platform's status page.

Support is by email at hello@wealthanalytica.com, and we respond within 24 hours on UK business days (Monday to Friday, excluding bank holidays). You can also send us an issue from inside the platform using the feedback button, with a screen capture; it reaches the same support team and the same response time applies.

10. Warranties

We warrant that the platform will perform substantially as described in our documentation. We do not warrant the platform is fit for any particular client decision — applying our analysis to a regulated recommendation remains your professional responsibility.

To the maximum extent permitted by law, we exclude all other warranties, conditions and terms.

11. Liability

We don't limit our liability for death or personal injury caused by negligence, fraud, or any other liability that can't be limited by law. Subject to that, our total liability for any claim is capped at the fees you paid us in the 12 months preceding the claim.

Neither party is liable for indirect or consequential losses, loss of profit, loss of business or loss of data (except where we've failed to meet our data-protection obligations).

12. Compliance with laws

You are responsible for using the platform in compliance with FCA rules, the Consumer Duty, AML/CTF requirements, and all other regulations applicable to your practice. We provide tooling to help you comply, but legal compliance remains your responsibility.

13. Changes to these terms

We may update these terms from time to time. Material changes will be notified by email at least 30 days in advance. If you don't agree, you may cancel before the changes take effect.

14. Governing law

These terms are governed by the laws of England and Wales. Any dispute will be resolved exclusively in the courts of England and Wales.

15. Contact

Questions about these terms? Email hello@wealthanalytica.com.