Terms of Service

1. Who we are

The Services are provided by Allocra Ltd, a company incorporated in England and Wales (Company No. 17171921), registered office at 71-75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom. In these Terms, "Allocra", "we", "us", and "our" refer to Allocra Ltd. "You" means the person using the Services.

2. What the Services are

The Services comprise the Allocra website and the following browser-based analysis tools: ETF Screener, ETF Optimiser, Tax Optimiser, Dividend Tracker, and Portfolio Rebalancer. We may add, change, or retire tools over time.

The Services are designed to help self-directed investors structure their own analysis. They present information, calculations, and visualisations based on inputs you provide or data we display.

3. The Services are not financial advice

Allocra is not authorised or regulated by the Financial Conduct Authority ("FCA") and does not provide regulated financial advice. Nothing on the site, nothing generated by a tool, and nothing in any communication from Allocra constitutes investment advice, a personal recommendation, an offer to buy or sell any security, tax advice, legal advice, or a solicitation of any kind.

Any outputs are informational and educational only. You are solely responsible for your own investment decisions. See our Disclaimer for the full wording.

4. Eligibility

You must be at least 18 years old to use the Services. By using the Services, you confirm you are an adult and that your use complies with the laws of the country you are in.

5. Accounts and early access

5.1 Early access

Initial access to some tools may be provided on an "early access" basis, capped at a limited number of users. Early access is offered at our discretion; it is revocable, personal to you, non-transferable, and provided on an "as is" basis with no service-level commitment. Beta participants are also bound by the Beta Terms Addendum, which sets out additional rules specific to the closed-beta cohort.

5.2 Accounts

When account registration is enabled, you agree that you will:

• provide accurate and up-to-date information when registering;
• keep your credentials confidential and not share them with anyone else;
• be responsible for all activity under your account;
• notify us promptly of any unauthorised use.

You may close your account at any time by contacting us at hello@allocra.co.

5.3 Subscriptions

Paid subscription plans may be offered (per-tool or bundle). Specific pricing, billing, renewal, cancellation, and refund terms will be presented to you at the point of purchase and will form part of these Terms once accepted. Until such plans go live, no payment is required to use the Services.

6. Your content and inputs

You retain all rights in any data, tickers, allocations, or other inputs you enter into any Allocra tool ("Your Inputs"). Where a tool stores Your Inputs locally in your browser, those inputs remain on your device. Where you voluntarily transmit Your Inputs to us (for example in a support email), you grant us a limited, non-exclusive, royalty-free licence to use them for the sole purpose of responding to you and operating the Services.

You are responsible for ensuring you have the right to submit any data you provide, and that it does not infringe anyone else's rights.

7. Acceptable use

You agree not to:

• use the Services for any unlawful purpose or in breach of applicable financial promotion, securities, tax, or other regulation;
• scrape, crawl, harvest, or otherwise extract data from the Services by automated means, except as expressly permitted;
• reverse engineer, decompile, or attempt to derive the source of any software underlying the Services, except as expressly permitted by law;
• interfere with, disrupt, or probe the security or integrity of the Services;
• resell, redistribute, or commercially exploit the Services or their outputs without our prior written consent;
• impersonate any person or misrepresent your affiliation with any person or entity;
• use the Services to develop a competing product or service.

8. Intellectual property

The Services, the Allocra name, logo, brand assets, tool designs, content, and all underlying software are owned by Allocra Ltd (or our licensors) and are protected by copyright, trade mark, and other intellectual property laws. Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your own non-commercial use.

No other rights are granted. All rights not expressly granted are reserved.

9. Third-party data and links

The Services may display, or rely on, data from third-party sources (for example, market data feeds, fund fact sheets, or exchange-provided information). We do not guarantee the accuracy, completeness, or timeliness of any such data and we are not responsible for decisions you make based on it. Links to third-party sites are provided for convenience; we do not control and are not responsible for their content.

10. Availability and changes

We aim to keep the Services available, but we do not guarantee uninterrupted or error-free operation. We may suspend, modify, withdraw, or discontinue the Services (or any part of them) at any time, with or without notice, including for maintenance, security, legal, or commercial reasons.

11. Disclaimers

To the fullest extent permitted by law, the Services are provided on an "as is" and "as available" basis. We give no warranties, conditions, or representations, whether express or implied, including as to merchantability, fitness for a particular purpose, accuracy, non-infringement, or that the Services will meet your requirements.

12. Limitation of liability

Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability which cannot lawfully be limited or excluded.

Subject to that:

• we will not be liable for any investment decisions you make or fail to make, for any loss of profit, loss of revenue, loss of opportunity, loss of anticipated savings, loss of data, loss of goodwill, or any indirect, special, or consequential loss, however arising, even if we were aware of the possibility;
• our total aggregate liability to you arising out of or in connection with the Services, whether in contract, tort (including negligence), breach of statutory duty or otherwise, will be limited to the greater of (i) the fees you have paid to us in the twelve (12) months immediately preceding the event giving rise to the liability, or (ii) £100.

13. Indemnity

You agree to indemnify and hold Allocra Ltd, its directors and personnel harmless from and against any claims, losses, damages, liabilities, and reasonable costs (including legal fees) arising out of or in connection with your breach of these Terms, your misuse of the Services, or your breach of any applicable law.

14. Termination

You may stop using the Services at any time. We may suspend or terminate your access — with or without notice — if we reasonably believe you have breached these Terms, if required by law, or if we decide to discontinue the Services. On termination, the sections of these Terms that are by their nature intended to survive (including Intellectual property, Disclaimers, Limitation of liability, Indemnity, and Governing law) will continue to apply.

15. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you via the site or by email. Your continued use of the Services after an update means you accept the updated Terms.

16. Governing law and jurisdiction

These Terms, their subject matter and their formation, are governed by the laws of England and Wales. You and Allocra each agree that the courts of England and Wales will have exclusive jurisdiction to resolve any dispute arising out of or in connection with these Terms, except that if you are a consumer resident outside England and Wales, you may also bring proceedings in the courts of the country in which you reside, and nothing in these Terms affects any rights you have as a consumer that cannot be waived under the law of your country of residence.

17. General

• Entire agreement. These Terms (together with our Privacy Policy, Cookie Policy, and Disclaimer) set out the entire agreement between you and Allocra in relation to the Services.
• Severability. If any provision is found to be unenforceable, the remaining provisions will continue in full force.
• No waiver. A failure to enforce any right is not a waiver of that right.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a corporate reorganisation or transfer of the business.
• Third-party rights. No person other than you and Allocra has any rights under these Terms.

18. Contact

Questions about these Terms should be sent to hello@allocra.co, or by post to:

Allocra Ltd
71-75 Shelton Street
Covent Garden
London WC2H 9JQ
United Kingdom