Your Use. Your Responsibility. Our Terms.

If you do not agree, please do not use our services.

1. Who We Are

Clive is operated by Clive Financial Technologies Ltd, a UK-based company providing digital financial insights and planning support using artificial intelligence.

2. Eligibility

To use Clive, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Use the platform only for lawful purposes

3. Services Provided

Clive offers:

• AI-generated financial advice and insights
• Tools for budgeting, goal planning, and expense tracking
• Integration with financial accounts (with your consent)

Important: Clive is not a regulated financial advisor. All insights are for informational purposes and do not constitute investment, legal, or tax advice.

4. User Responsibilities

By using Clive, you agree to:

• Provide accurate and up-to-date information
• Use the platform lawfully and ethically
• Maintain the confidentiality of your login details
• Not misuse or interfere with Clive's systems or services

5. Data Privacy

We are committed to protecting your privacy. Our practices are governed by our Privacy Policy, which explains how we collect, use, and safeguard your data.

By using Clive, you consent to our data practices as described in the Privacy Policy.

6. AI-Generated Insights

Clive uses machine learning algorithms to offer financial suggestions. These insights are:

• Based on the data you provide
• Not a substitute for professional financial advice
• Subject to limitations and may not reflect the latest market conditions

Always consult a qualified financial advisor before making major financial decisions.

7. Account Termination

We reserve the right to suspend or terminate your account if:

• You breach these Terms
• We detect fraudulent, abusive, or harmful behavior
• We are required to do so by law

You may close your account at any time by contacting us.

8. Intellectual Property

All content, branding, and technology on Clive are owned or licensed by Clive Financial Technologies Ltd. You may not copy, modify, distribute, or reverse-engineer any part of the platform without written permission.

9. Third-Party Links and Services

Clive may link to third-party tools or financial institutions. We are not responsible for their content, accuracy, or privacy practices. Use them at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Clive shall not be liable for:

• Any loss of income, savings, or investments
• Errors or omissions in AI-generated recommendations
• Service interruptions or data loss

Use of the platform is at your own risk.

11. Changes to These Terms

We may update these Terms from time to time. If changes are significant, we’ll notify you through the platform or email. Continued use of Clive after updates means you accept the revised Terms.

12. Governing Law

These Terms are governed by and interpreted under the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts in that region.

13. Contact Us

If you have questions about these Terms, you can reach us at:

Clive Financial Technologies Ltd
71-75 Shelton Street, Covent Garden
London, WC2H 9JQ
United Kingdom
Email: hello@helloclive.com