Terms of Service

Welcome to Grove. These Terms of Service ("Terms") govern your access to and use of the Grove platform, including our website, applications, and services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

Grove is operated by Grove Financial Ltd, a company registered in England and Wales.

For the purposes of these Terms:

• "Account" means the unique account created for you to access our Service or parts of our Service.
• "Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Grove Financial Ltd.
• "Content" refers to any information, data, text, graphics, financial models, or other materials uploaded, downloaded, or appearing on the Service.
• "Service" refers to the Grove financial planning and analysis platform, website, and all related services.
• "Subscriber" means the company or organisation that has entered into a subscription agreement with Grove.
• "User" means any individual who accesses or uses the Service, whether as an administrator, contributor, or viewer.

Subject to your compliance with these Terms and payment of applicable fees, Grove grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your internal business purposes.

Under this licence, you may not:

• Modify, copy, or create derivative works based on the Service or its content
• Use the Service for any commercial purpose other than managing your own organisation's financial planning needs
• Attempt to reverse engineer, decompile, or disassemble the Service
• Remove any copyright or proprietary notices from the Service
• Transfer your licence to another party without our written consent
• Use the Service in any way that violates applicable laws or regulations

You retain all rights to the financial data and content you upload to Grove. We do not claim ownership of your data.

You grant Grove a limited licence to process, store, and display your data solely for the purpose of providing the Service. We will not access your data except as necessary to provide the Service, prevent or address technical issues, or as required by law.

You are responsible for ensuring that you have the right to upload and process any data through the Service, and that doing so complies with all applicable laws and regulations.

The Service is provided on an "as is" and "as available" basis. Grove makes no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of the Service.

The Service provides tools to help manage financial planning processes but does not constitute financial, tax, or professional advice. You should consult with qualified professionals for specific advice related to your circumstances.

To the maximum extent permitted by applicable law, in no event shall Grove or its suppliers be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses.

Our total liability to you for all claims arising from or related to these Terms or the Service shall not exceed the amount you paid to Grove in the twelve (12) months preceding the claim.

Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded by law.

Grove reserves the right to revise these Terms at any time. For material changes, we will provide at least 30 days' notice before the changes take effect. We will notify you by:

• Posting a notice on our website
• Sending an email to the address associated with your account
• Displaying a prominent notice within the Service

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.