Legal — Terms of Service
Terms and Conditions
The rules that govern your use of Ivoryflirt. Please read this page carefully before using our website and decision-support tools.
General draft for editing. This page is not legal advice and has not been reviewed for any specific jurisdiction.
At a glance
Last updated: [Insert date — update before publishing]. If you do not agree with these terms, please do not use the site.
Using Ivoryflirt
Agreement to these terms
By accessing or using the Ivoryflirt website, you agree to these Terms and Conditions and to our Privacy Notice. If you are using the site on behalf of a household or organisation, you confirm you are authorised to accept these terms on their behalf.
How to use this document: This is a general, editable starting draft. Replace bracketed placeholders, confirm how your service operates, and seek independent legal advice before relying on it.
Ivoryflirt provides information and decision-support tools only. Nothing on this site constitutes regulated financial, legal, tax, or investment advice, and the service does not execute transactions on your behalf.
1. What Ivoryflirt provides
Ivoryflirt provides adaptive risk intelligence content and tools intended to help UK households organise and review long-term considerations relating to pensions, ISAs, mortgages and household resilience. Features may include educational materials, illustrative scenarios, and self-assessment inputs. We may update, suspend or discontinue any part of the service at any time without prior notice.
2. Eligibility and access
You must be at least 18 years old to use interactive tools or submit information through our forms. You are responsible for ensuring your device, browser and internet connection are adequate to access the site, and for keeping any information you submit accurate and up to date.
3. No financial advice and no execution
All content is for general information and educational purposes only. It does not take into account your personal circumstances and must not be relied upon as a recommendation to buy, sell, hold or take any specific financial action. Ivoryflirt does not execute trades, move funds, or make decisions for you. Always consider seeking independent, regulated professional advice before making significant financial decisions.
4. Your responsibilities
You agree to: (a) use the site lawfully and only for its intended purpose; (b) not attempt to disrupt, reverse-engineer, scrape at unreasonable volume, or gain unauthorised access to the site; (c) not submit false, misleading, unlawful or infringing content; (d) not rely solely on illustrative outputs without your own review. You remain solely responsible for any decisions you make based on information on this site.
5. Illustrative outputs and limitations
Any scores, bands, scenarios or visualisations are illustrative and based on the information you provide and on simplified assumptions. They are not predictions, guarantees or assurances of any outcome. Personal circumstances, market conditions, legislation and provider terms can change and may materially affect results.
6. Intellectual property
Unless otherwise stated, all text, design, graphics, methodology descriptions and other materials on this site are owned by or licensed to Ivoryflirt and are protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial use. You may not copy, reproduce, distribute, modify or create derivative works from our content without prior written permission, except as permitted by law.
7. Third-party links and content
This site may reference or link to third-party websites or services for convenience. We do not control, endorse or assume responsibility for third-party content, availability, or practices. Your use of third-party sites is at your own risk and subject to their terms.
8. Acceptable use and suspension
We may restrict, suspend or terminate access where we reasonably consider that you have breached these terms, misused the service, or where necessary for security, maintenance or legal reasons. We will endeavour to provide notice where practicable, but this may not always be possible.
9. Warranties and liability
The site is provided on an “as is” and “as available” basis without warranties of any kind, to the fullest extent permitted by law. To the maximum extent permitted by law, Ivoryflirt excludes liability for any indirect, incidental, consequential or special loss arising from or in connection with your use of the site. Nothing in these terms limits liability that cannot lawfully be limited, including liability for death or personal injury caused by negligence, or for fraud.
10. Privacy and data
Any personal information you provide is handled in accordance with our Privacy Notice [link to privacy.html]. Please do not submit sensitive financial account credentials, passwords, or other highly sensitive identifiers through general contact forms.
11. Changes to these terms
We may update these Terms and Conditions from time to time to reflect changes to our service, practices or legal requirements. The version published on this page at the time of your use will apply. Material changes will be indicated by updating the “Last updated” date above. Continued use after changes take effect constitutes acceptance of the updated terms.
12. General provisions
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force. Failure to enforce any right does not constitute a waiver of that right. You may not assign your rights under these terms without our consent. [Insert governing law and jurisdiction clause after legal review — do not assume applicability]. For questions about these terms, please use our Contact page.
Before you rely on this page
Please adapt this draft to your operation
This template does not reflect legal review, regulatory approval, or compliance with any specific law. Your obligations will depend on how Ivoryflirt actually operates, what data you collect, and what services you offer.
- Confirm service description, eligibility, and contact route
- Confirm disclaimers on advice, execution, and illustrative outputs
- Align with your Privacy Notice and retention practices
- Seek independent legal advice and insert governing law
| Topic | What this means in practice |
|---|---|
| Decision support | Tools organise information — you make the final decision. |
| No execution | Ivoryflirt does not move funds or place orders. |
| Professional advice | Consider regulated advice for major pension, mortgage or tax decisions. |
This Terms page is a general information template. It is not a substitute for legal advice. Edit all placeholders and obtain independent advice before publishing or relying on it.