Terms and Conditions

1. What Freemix provides

1.1 Freemix provides AI-driven cash-flow analysis and decision-support tools for UK small businesses, as described on the main pages of this website.

1.2 The service helps you organise inputs, review scenarios and understand potential cash-position implications. Starting use is described as “From £1, with working capital protected first” — meaning analysis prioritises working-capital cover in its logic.

1.3 We may update, limit or withdraw features to maintain quality, security or clarity. We will describe material changes on the site where practical. [Editable — insert change-notice process if required].

2. What Freemix does not provide

2.1 Freemix does not provide financial advice, investment advice, lending, or a recommendation to allocate, invest, borrow or spend funds.

2.2 Outputs, forecasts, scores or scenarios are illustrative only. They are not predictions, guarantees of performance, or assurances of any outcome.

2.3 You should consider independent professional advice and ensure adequate working-capital cover before acting. Capital at risk.

3. Eligibility and business use

3.1 The service is intended for business use by directors, owners and authorised staff of small businesses.

3.2 You confirm that information you provide is accurate to the best of your knowledge and that you have the right to share it for analysis.

3.3 You must not use the service if use would be unlawful or if you lack authority to act for the business concerned.

4. Your inputs and responsibilities

4.1 You are responsible for the completeness and accuracy of data, figures and assumptions you enter or upload.

4.2 Analysis quality depends on input quality. Incomplete, out-of-date or incorrect inputs will affect outputs.

4.3 You must not enter personal data that is not needed for the analysis, and you must not enter data you are not entitled to share. See our Privacy page for how information is handled.

4.4 You remain solely responsible for decisions, record-keeping, tax filings, payroll, supplier payments and regulatory obligations.

5. Acceptable use

5.1 You agree to use Freemix lawfully and only for its intended purpose. You must not:

5.2 We may suspend or restrict access where we reasonably consider use breaches these Terms or risks harm to the service or others.

6. Fees and plans

6.1 Access is described as available from £1. Specific plans, limits and billing terms will be presented before purchase or signup.

6.2 [Editable — insert fee schedule, billing frequency, VAT treatment, refund or cancellation terms, and how to manage a plan]. Do not pay or subscribe until you have reviewed the plan details shown at checkout.

6.3 Unless stated otherwise in the plan details, fees cover access to software only and do not include professional advice.

7. Intellectual property

7.1 The website, models, logic, design and content are owned by or licensed to Freemix and protected by intellectual property rights.

7.2 We grant you a limited, non-exclusive, non-transferable licence to use the service for your internal business purposes in line with these Terms.

7.3 You retain rights in your inputs. You grant us a licence to process those inputs only to provide and maintain the service. [Editable — confirm retention and sub-processing approach].

8. Availability and support

8.1 We aim to keep the service available but do not guarantee uninterrupted or error-free operation. Maintenance, updates or factors outside our control may cause temporary unavailability.

8.2 For questions or support, use the Contact page. Registered contact is listed in the footer of this site.

9. Liability

9.1 Nothing in these Terms limits liability that cannot lawfully be limited.

9.2 To the extent permitted by law, Freemix is not liable for business losses arising from reliance on illustrative outputs, including loss of profit, loss of business, or decisions to allocate funds without adequate working-capital cover or independent advice.

9.3 [Editable — insert liability cap, exclusions and any service-credit approach after review. Do not rely on this draft wording alone].

10. Termination

10.1 You may stop using the service at any time, subject to any plan terms presented at purchase.

10.2 We may suspend or end access if these Terms are breached, if fees are unpaid where applicable, or if we discontinue the service.

10.3 [Editable — insert data export, retention on termination, and notice period if required].

11. Changes to these Terms

11.1 We may update these Terms to reflect service, operational or legal changes. The current version will be posted on this page.

11.2 [Editable — insert how material changes will be notified and when continued use constitutes acceptance].

12. General

12.1 These Terms, together with any plan details and the Privacy page, form the general basis for use of Freemix.

12.2 If any part of these Terms is found unenforceable, the remaining parts continue in effect.

12.3 [Editable — insert governing law and jurisdiction, assignment, and entire-agreement wording after review].