Terms of use | Claritech Analysis

This includes our General Terms of Agreement, Disclaimers, Email Policy, Privacy policy and Cookies policy

Claritech Analysis Limited ("Claritech" which term collectively includes any owner or subsidiaries or affiliates or branch offices of Claritech Analysis Limited, and any of its directors or officers or employees or representatives) whose registered office is at 128 City Road, London, EC1V 2NX; would like you to be familiar with the following terms which are applicable to its emails, software, web pages, products, content, assessments, analysis, forecasts, opinions, facts, databases and all information (collectively referred to as the “Product”, "Products", "Service" or "Services" ) to which you may have access by any means. The content and information included in these Products and Services are provided by Claritech and its third party suppliers (collectively, the "Information Providers"). The Products and Services are made available by Claritech subject to the terms and conditions stated below:

Agreement

By using Our Products and / or Services, you provide your confirmation and consent to be bound by the terms of this Agreement. If you do not agree, Claritech is not willing to provide you with access to these and you should immediately discontinue your use of them. Claritech will make efforts to alert you of any changes to the agreements, however we cannot assure you of the error free transmission of such alerts. You agree that Claritech may modify this Agreement at any time in its sole discretion and without prior notice to you. Such changes will be posted online and will be effective upon posting. You should review this Agreement periodically to be familiar with its present terms and conditions. Your continued use of the Products and / or Services shall constitute your acceptance of this Agreement in its present form or as amended. If you do not agree to the changes, you must notify Claritech in writing of your refusal and discontinue your use of the Products and / or Services.

Claritech provides consulting, financial analysis, company valuations, and business intelligence services. The specific scope, deliverables, timelines, and fees for our services will be outlined in individual Letters of Engagement ("LOE"), for each project or client engagement. In the event of any conflict between this Agreement and an LOE provided by Claritech, the terms of the LOE shall prevail.

Use of Services

Personal and Non-Commercial Use: The Services are intended for your personal, non-commercial use.

Prohibited Actions: You agree not to use, store, reproduce, display, modify, sell, publish, transmit, distribute, or commercially exploit the Services without prior written consent from Claritech.

Intellectual Property Rights: All content and materials provided through the Services are protected by intellectual property laws. You acknowledge that Claritech and its third-party Information Providers retain all proprietary rights to the content.

All services provided by Claritech Analysis Limited are non-exclusive and non-binding. We reserve the right to offer similar services to other clients. In the event of a conflict of interest, we shall promptly disclose it and take appropriate steps to address the situation in a fair and transparent manner.

Non circumvention

You agree not to circumvent, directly or indirectly, Claritech Analysis Limited in any business dealings, transactions, or relationships introduced by Claritech. This includes engaging with Claritech's partners, affiliates, or other contacts for the purpose of conducting business without Claritech’s involvement. Any such circumvention shall entitle Claritech to claim full compensation for lost business opportunities, including but not limited to, fees, commissions, and damages. This clause shall survive the term of this agreement by 12 calendar months.

Free and Paid Content

Claritech may allow the use some of its Products free of charge while other Products require you to make a payment. Fees could be a flat monthly fee, a variable fee or a combination of both.

Billing: Fees for Services will be detailed in the respective LOE. Invoices are issued monthly, and payment is due within seven (7) calendar days from the invoice date. Late Payments: Payments received after the due date will incur a late fee of 3% of the outstanding amount, added to the subsequent invoice. Third-Party Payment Providers: We utilize third-party payment processors. By making a payment, you agree to the terms and conditions of these providers. All sales are final; returns, replacements, or refunds are at Claritech's sole discretion. You will receive an invoice from Claritech via the preferred mode of communication. Payment is expected to be received in 7 calendar days from date of the invoice. Claritech is not responsible for non receipt of invoice via the Client's preferred mode of communication. Claritech will use third party payment providers to enable these purchases. The terms and conditions of the respective third party payment provider will apply while using their service. All sales are final and no returns, replacement and refunds are allowed. In the event that such a return or replacement or refund is allowed, it is at the sole discretion of Claritech and either the transaction is reversed to the source or a purchase coupon is provided for the same value which can be utilized within the Claritech App or Website.

User Information

You hold responsibility for protecting and securing your User Name and password from unauthorized use / disclosure and for all statements made and acts or omissions that occur while your user identification name (or "User Name") and passwords are being used. If you become aware of, or believe there has been, any breach of security for any of your information stored on Claritech’s website, such as the theft or unauthorized use of your User Name, password, or any other information, you will notify Claritech immediately.

Not Advise or recommendation or offer to buy or sell

The Products and / or Services have been prepared for informational purposes only without regard to any particular user's investment objectives, financial situation, suitability, or means, and Claritech is not soliciting any action based upon it. The Products and/or Services are not to be construed as a business, financial, investment, hedging, legal, regulatory, tax or accounting advice (Whether implicit or explicit). The Products are not to be construed as a recommendation, or any other type of encouragement to act, invest or divest in a particular manner (Whether implicit or explicit). Claritech shall not be responsible for any loss arising from any investment based on a perceived Recommendation. There is no offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. Any such perceived Offer (Whether implicit or explicit) will not be honoured by the Claritech.

Reliability of information

Claritech makes reasonable efforts to obtain information from reliable sources, however all Products are provided on an "as is" basis without representation or warranty of any

kind (neither express nor implied). Claritech disclaims liability for any material not being complete, accurate, suitable and relevant for the recipient. By using the Products you agree that errors and/or omissions contained in such information shall not be made the basis for any claim, demand or cause of action against Claritech or any Information Provider(s).

Specifically, Claritech disclaims liability towards any user and any other recipients for accuracy, delay, error, discontinuance, interruption or omission in providing any of the Products. Due to changing circumstances, the Products may become inaccurate and possibly misleading after a period of time which may vary from seconds and minutes to days, weeks and months depending on the Information. Claritech gives no guarantee against, and assumes no liability towards any recipient for any of the Products being outdated. If outdated, Claritech is under no obligation to update, inform recipients or perform any other action. The information may be personal to the author and may not reflect the opinion of the Claritech. Claritech reserves the right at its sole discretion to withdraw or amend any information provided at any time without notice (prior or subsequent).

Risks

Any transaction in the financial market, including those involving complex financial instruments, give rise to substantial risk and are not suitable for all investors. The Products do not account for suitability of the investor, taxation or for various risks applicable to this strategy such as liquidity risk, geographical risk, settlement risk, custody risk, currency risk, risk of corporate action, etc. You should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Please check with the securities dealer / broker for relevant information.

Trading in leveraged products, such as but not limited to, foreign exchange, derivatives and commodities is regarded as highly speculative and losses and profits may fluctuate both violently and rapidly. Speculative trading is not suitable for all investors / traders. The fact that Claritech has made the Products available to you constitutes neither a recommendation to enter into a particular transaction nor a representation that any of its Products is/are suitable or appropriate for you.Claritech strongly encourages any recipient considering trading with the information provided by its Products to employ and continuously consult suitable financial advisors prior to the conclusion of any investment or transaction. Any mention of risks in the Products pertaining to a particular product or service may not and should neither be construed as a comprehensive disclosure nor full description of all risks pertaining to such product or service

Advertisements

Persons or entities not belonging to Claritech may advertise on the Claritech’s Products, websites or software through links, banners or otherwise. Claritech shall not be held responsible or liable for the offerings, information or acts of any such third party. If a user of Claritech’s Products decides to act upon any such advertising, such user does so entirely at their own risk.

You can write to us to report inappropriate ads, preferably with a screenshot, and we will raise a concern with the relevant parties to mitigate the problem.

Termination

Claritech may exercise full discretion in modifying or discontinuing any part or whole of the Products subject to this Agreement at any time without cause or prior notice.

Limited Liability

Claritech shall not be liable for any damage or injury arising out of any person’s or entity’s access to, or inability to access any of the Products. This limitation includes, but is not limited to, any damage to computer equipment and computer systems caused by virus, malware and any other harmful computer coding. Neither Claritech nor any of its third-party Information Providers shall be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to this Agreement or resulting from the use or the inability to use the Products, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

Check your Risk Rating section

Disclaimer: The information provided by this risk appetite questionnaire is for educational and informational purposes only and should not be construed as financial advice. The results of this questionnaire are based on the information you have provided and are intended to give you an indication of your general risk tolerance. They do not take into account your individual financial situation, investment objectives, or specific needs. Before making any investment decisions, you should consider your risk tolerance, time horizon, financial situation, and investment goals. It is strongly recommended that you seek advice from a qualified financial advisor who can take into account your personal circumstances. The creators of this questionnaire and any associated parties make no representations or warranties as to the accuracy, completeness, or suitability of the information provided. We disclaim any liability for any financial decisions or actions taken based on the results of this questionnaire. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Always do your own research and due diligence before making any investment decisions.

Local regulatory restrictions

Claritech’s Products may be accessed worldwide. The Information provided is however only intended for use by recipients located in countries where such use does not constitute a violation of applicable legislation or regulations. Products referred to are NOT available to recipients residing in countries where it would constitute a violation of mandatory applicable legislation or regulations.

It is the sole responsibility of any recipient employing or requesting a product or service of Claritech to comply with all applicable legislation or regulation.

Translation discrepancies

Claritech could offer its Products in a wide range of languages for the recipient’s comfort of use. In case of discrepancy between the original English text and any translation, the original English text shall prevail. All recipients are advised to carefully examine the original English text before acting upon a translation thereof. Any user who does not fully understand the original English text is strongly encouraged to contact us. Claritech shall not be bound by, or liable to any recipient for, an incomplete or inaccurate translation of an original English text to another language.

Confidentiality

Both parties agree to maintain the confidentiality of all proprietary or sensitive information disclosed during the course of the engagement. This obligation extends beyond the termination of this Agreement.

Data Protection and Privacy

We are committed to protecting your personal data. Our practices comply with the UK General Data Protection Regulation (UK GDPR), the EU GDPR, and relevant US privacy laws. For detailed information on how we collect, use, and protect your data, please refer to our Privacy Policy below.

Cookies

Our website uses cookies to enhance user experience and analyze site usage. By using our website, you consent to the use of cookies in accordance with our Cookie Policy (available below).

Email Communications

By providing your email address, you consent to receive communications from us electronically. You can opt-out of marketing communications at any time by following the unsubscribe instructions included in each email. For more details, refer to our Email Policy.

Limitation of Liability

Claritech provides the Services "as is" without any warranties, express or implied. We are not liable for any indirect, incidental, or consequential damages arising from your use of the Services.

Governing Law

This Agreement is governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to the Agreement
We may modify this Agreement at any time. Changes will be effective upon posting on our website. Your continued use of the Services constitutes acceptance of the modified terms.

1. Introduction
Claritech Analysis Limited ("Claritech," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website or use our services. We comply with the UK General Data Protection Regulation (UK GDPR), EU General Data Protection Regulation (EU GDPR), the California Consumer Privacy Act (CCPA/CPRA), and other applicable US laws.By using our website or services, you consent to the data practices described in this policy.

2. Information We Collect
We may collect and process the following types of data:
A. Personal Information You Provide

Identity & Contact Data: Name, email address, phone number, job title, company name

Financial & Transaction Data: Payment details when you purchase our services.

Communications Data: Messages and inquiries you send us.

B. Automatically Collected Information
Usage Data: Pages visited, time spent on the site, referring websites.
Device & Technical Data: IP address, browser type, operating system, cookies, and tracking technologies.
C. Third-Party Data Sources
We may receive data from:
Public sources (e.g., LinkedIn, company websites).
Marketing partners and analytics providers.

3. How We Use Your Data

We process your data to:
Provide and improve our services.
Respond to inquiries and provide customer support.
Send service updates and marketing communications (with your consent).
Analyze website performance and user behavior.
Comply with legal obligations.
Legal Basis for Processing (UK/EU GDPR):
Consent: When you opt in to marketing emails.
Contractual Necessity: To fulfill service agreements.
Legal Obligation: Compliance with financial and regulatory laws.
Legitimate Interests: Fraud prevention, security, and improving our services.

4. Data Sharing & Disclosure
We do not sell personal data. However, we may share your data with:
Service providers (e.g., payment processors, analytics providers).
Legal authorities, if required by law.
Business partners, where applicable, with your consent.
All third parties are required to protect your data under strict confidentiality agreements.

5. Data Storage & Security
We implement appropriate technical and organizational measures to:
Protect your data against unauthorized access, loss, and misuse.
Secure stored data using encryption and access controls.
Regularly review and update our security measures.
We retain personal data only as long as necessary for legal and business purposes.

6. Your Data Rights
Depending on your location, you have the following rights:
UK/EU (GDPR) Rights
Right to Access: Request a copy of your personal data.
Right to Rectification: Correct inaccurate data.
Right to Erasure ("Right to be Forgotten"): Request deletion of your data.
Right to Restrict Processing: Limit how we use your data.
Right to Data Portability: Request a transfer of your data.
Right to Object: Stop certain processing activities.
US (CCPA/CPRA) Rights
Right to Know: Request details about collected data.
Right to Delete: Request removal of personal information.
Right to Opt-Out: Prevent the sale/sharing of data.
Right to Non-Discrimination: No penalty for exercising your rights.
To exercise your rights, contact us at [your contact email]. We will respond within one month (GDPR) or 45 days (CCPA).

7. Cookies & Tracking Technologies
We use cookies and similar tracking technologies. See our Cookie Policy for details.

8. Email & Marketing Communications
You will only receive marketing emails if you opt in.
You can unsubscribe at any time using the link in our emails.
See our Email Policy for details.

9. International Data Transfers
If you are in the UK/EU, your data may be transferred outside the EEA to countries with adequate data protection laws (or via Standard Contractual Clauses).

Children's Privacy

Our Service does not address anyone under the age of 18 ('Children').

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the 'effective date' at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Cookie Policy

1. Introduction
Claritech Analysis Limited ("Claritech," "we," "us," or "our") uses cookies and similar tracking technologies to enhance your browsing experience, analyze website performance, and provide relevant content. This policy explains what cookies are, how we use them, and your choices regarding their use.

2. What Are Cookies?
Cookies are small text files stored on your device (computer, tablet, or mobile) when you visit a website. They help recognize users, remember preferences, and improve website functionality.
Cookies can be:

First-party cookies (set by Claritech)
Third-party cookies (set by external services we use, such as analytics or advertising providers)
Session cookies (expire when you close your browser)
Persistent cookies (remain on your device for a set period)

3. Types of Cookies We Use

We use the following types of cookies:
A. Strictly Necessary Cookies
These cookies are essential for the website to function properly and cannot be disabled. They include:

Authentication and login security cookies
Session management cookies
Fraud prevention and security-related cookies

B. Performance & Analytics Cookies
These cookies help us understand how users interact with our website by collecting anonymous data on page views, visitor counts, and website performance. Examples:

Google Analytics
Other traffic analysis tools

C. Functionality Cookies
These cookies remember user preferences and enhance the website experience, such as:

Language settings
User-customized display options

D. Advertising & Targeting Cookies
Used by third-party advertisers to deliver relevant ads and track ad performance. Examples:

Google Ads
Facebook Pixel
LinkedIn Insights

4. Legal Basis for Cookie Use
UK/EU (GDPR & PECR): We require explicit user consent for non-essential cookies.
US (CCPA & State Laws): Users must be informed of tracking and be given opt-out options.

5. Managing Your Cookie Preferences
You have full control over cookies. You can:
Accept or reject cookies via our website’s cookie banner.
Modify settings in your browser to block or delete cookies.
Opt out of third-party tracking via tools like YourAdChoices (US) or Your Online Choices (EU).

6. Third-Party Cookies
We may integrate services from third parties (e.g., Google, Facebook, LinkedIn) that place cookies on your device. Please review their privacy policies for more details.

7. Updates to This Policy
We may update this Cookie Policy to reflect legal or operational changes. Updates will be posted on our website.

Email Policy

1. Introduction
Claritech Analysis Limited ("Claritech," "we," "us," or "our") is committed to responsible email practices. This policy outlines how we collect, use, store, and protect email communications in compliance with applicable laws, including the UK GDPR, EU GDPR, CAN-SPAM Act (US), and PECR (Privacy and Electronic Communications Regulations – UK/EU).

2. Collection and Use of Email Addresses
We collect and use email addresses for the following purposes:

Service Communications: To provide important updates, notifications, and transactional emails related to our services.
Marketing Communications: To send newsletters, promotional content, and offers (only with user consent, as required by GDPR and PECR).
Customer Support: To respond to inquiries and provide assistance.
Legal and Compliance Notices: To send mandatory legal or regulatory updates.

3. Consent and Opt-In Requirements

UK/EU (GDPR & PECR): We obtain explicit opt-in consent before sending marketing emails. Users must actively agree to receive such emails (e.g., by checking a box).
US (CAN-SPAM Act): Prior consent is not required for marketing emails, but all emails must include an opt-out mechanism.
Business-to-Business (B2B) Communications: In some cases, we may rely on legitimate interest for professional B2B communications, provided recipients can easily opt out.

4. Opt-Out / Unsubscribe Policy

Every marketing email includes a clear "Unsubscribe" link allowing recipients to opt out easily.
Opt-out requests are processed immediately and within a maximum of 10 business days (per CAN-SPAM requirements).
Once opted out, users will no longer receive marketing emails but may still receive essential service-related emails.

5. Data Security and Protection

We implement technical and organizational measures to protect email addresses and communications from unauthorized access, loss, or misuse.
Emails are stored securely, and access is restricted to authorized personnel only.

6. Third-Party Email Providers

We use trusted third-party email service providers (e.g., Mailchimp, SendGrid, or similar) to send emails.
These providers comply with GDPR, CAN-SPAM, and other applicable data protection laws.
We do not sell or share email addresses with third parties for their marketing purposes.

7. Compliance with Laws
Our email practices comply with:

UK GDPR & EU GDPR: Requires consent for marketing emails and provides data subject rights.
PECR (UK/EU): Sets specific rules for electronic marketing.
CAN-SPAM Act (US): Requires clear identification, opt-out mechanisms, and truthful email content.
Other local regulations where applicable.

8. Reporting Spam or Concerns
If you receive an unsolicited or suspicious email appearing to come from Claritech, please report it to us.

Miscellaneous

Address for all correspondence:

128 City Road,

London EC1V 2NX. United Kingdom.

Email address for all communication: care@claritech.app

By agreeing to the Terms of Use of the Products and the software you acknowledge and agree that Claritech, in the interest of security, reserves the right to record all communication, internet conversations including chat, and any meetings between you and Claritech.

You furthermore agree that Claritech reserves the right to monitor your use of the Products and that the resultant information may be used by Claritech for its internal business purposes