This End User Licence Agreement ("Licence") is a legal agreement between you (either an individual or a single entity) and L25 Limited (trading as "CasePattern"), a company registered in England and Wales with registered address at St James House, Hollinswood Road, Telford, TF2 9TZ ("we," "our," or "us"), for the CasePattern software application, data analytics platform, and associated documentation (collectively, the "Software").

By installing, accessing, or using the Software, you agree to be bound by the terms of this Licence. If you do not agree to the terms of this Licence, do not install, access, or use the Software.

1. Grant of Licence

1.1 Subscription Licence

Subject to your compliance with the terms and conditions of this Licence and payment of the applicable subscription fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Software for your internal business purposes during the subscription period.

1.2 User Limitations

The licence granted is limited to the number of authorised users specified in your subscription plan. You may not allow more than the specified number of authorised users to access or use the Software. Each authorised user must have unique login credentials and may not share their credentials with any other person.

1.3 Restrictions

Except as expressly permitted by this Licence or by applicable law, you may not:

a) Copy, modify, adapt, translate, or create derivative works based on the Software; b) Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Software; c) Rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make available the Software to any third party; d) Remove, alter, or obscure any proprietary notices on the Software; e) Use the Software to build a competitive product or service; f) Use the Software for any purpose that violates applicable law; g) Use automated means to access or extract data from the Software (except as expressly permitted through our API); h) Use the Software to store or transmit malicious code or infringing, libellous, or otherwise unlawful or tortious material; or i) Interfere with or disrupt the integrity or performance of the Software.

2. Ownership and Intellectual Property

2.1 Reservation of Rights

The Software is licensed, not sold. We and our licensors retain all right, title, and interest in and to the Software, including all intellectual property rights. No rights are granted to you other than as expressly set forth in this Licence.

2.2 Feedback

If you provide us with any feedback, suggestions, or recommendations regarding the Software ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free licence to use, reproduce, modify, create derivative works from, distribute, and display such Feedback for any purpose without restriction or compensation to you.

2.3 User Content

You retain ownership of any content, data, or information that you upload, create, or modify while using the Software ("User Content"). You grant us a worldwide, non-exclusive, royalty-free licence to use, reproduce, modify, and display User Content solely to the extent necessary to provide the Software to you.

3. Data and Privacy

3.1 Data Collection

We collect and process personal data as described in our Privacy Policy, which is incorporated by reference into this Licence. By using the Software, you consent to such collection and processing.

3.2 Analytical Data

We may collect and use analytical data related to your use of the Software to improve our services, provided that such data is anonymised and does not identify you or any individual user.

3.3 Data Processing Location

All data processing activities are conducted within the United Kingdom. We do not transfer your personal data outside the United Kingdom or European Union.

3.4 Financial Ombudsman Service Data

The Software provides access to and analysis of publicly available Financial Ombudsman Service (FOS) data. This data is subject to copyright and other protections, and your use of this data must comply with all applicable laws and regulations.

4. Subscription and Payment

4.1 Subscription Terms

Your subscription begins on the date you complete the subscription process and continues for the subscription period specified in your order. Unless otherwise specified, subscriptions automatically renew for additional periods equal to the expiring subscription period, unless either party gives the other notice of non-renewal at least 30 days before the end of the current subscription period.

4.2 Payment

You agree to pay all fees specified in your order. Unless otherwise specified, fees are payable in advance and non-refundable. All fees are quoted in Pounds Sterling (£) and are exclusive of value added tax (VAT), which will be added at the applicable rate.

4.3 Subscription Changes

We may change subscription fees at any time, provided that we notify you at least 30 days before the change takes effect. If you do not agree to a price change, you must cancel your subscription before the change takes effect.

5. Term and Termination

5.1 Term

This Licence commences on the date you first accept it and continues until all subscriptions hereunder have expired or been terminated.

5.2 Termination for Cause

We may terminate this Licence immediately if you breach any material term of this Licence and fail to cure such breach within 30 days after receipt of written notice.

5.3 Effect of Termination

Upon termination or expiration of this Licence: a) All licence rights granted to you under this Licence will terminate; b) You must cease all use of the Software; c) You must pay any outstanding fees; and d) Each party will return or destroy all confidential information of the other party in its possession.

5.4 Survival

The following provisions will survive termination of this Licence: Ownership and Intellectual Property, Confidentiality, Disclaimers, Limitation of Liability, Indemnification, and General Provisions.

6. Support and Maintenance

6.1 Standard Support

We will provide the support and maintenance services included in your subscription plan, which may include: a) Access to documentation and knowledge base; b) Email support during normal business hours; and c) Software updates and bug fixes.

6.2 Updates

We may, at our discretion, develop and provide Software updates, which may include bug fixes, patches, enhanced functions, new Software modules, and completely new versions. You agree to install all updates that we designate as required for continued use of the Software.

7. Confidentiality

7.1 Confidential Information

"Confidential Information" means all non-public information disclosed by one party ("Disclosing Party") to the other party ("Receiving Party"), whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure.

7.2 Protection of Confidential Information

The Receiving Party will use the same degree of care that it uses to protect the confidentiality of its own confidential information (but not less than reasonable care) and will: a) Not use any Confidential Information for any purpose outside the scope of this Licence; and b) Limit access to Confidential Information to those of its employees, contractors, and agents who need such access for purposes consistent with this Licence and who have signed confidentiality agreements with the Receiving Party.

7.3 Exclusions

Confidential Information does not include information that: a) Is or becomes generally known to the public without breach of any obligation owed to the Disclosing Party; b) Was known to the Receiving Party prior to its disclosure by the Disclosing Party without breach of any obligation owed to the Disclosing Party; c) Is received from a third party without breach of any obligation owed to the Disclosing Party; or d) Was independently developed by the Receiving Party.

8. AI-Generated Content and Disclaimers

8.1 AI-Generated Content

The Software makes extensive use of artificial intelligence technologies to analyse Financial Ombudsman Service decisions and generate insights, analytics, and reports. You acknowledge and agree that:

a) A substantial portion of the content provided through the Software is generated using AI technologies; b) AI-generated content may contain inaccuracies, inconsistencies, errors, or omissions; c) AI-generated content should be reviewed and verified by qualified professionals before being relied upon for critical decisions; d) We do not warrant the accuracy, completeness, reliability, or timeliness of any AI-generated content; e) You are solely responsible for verifying any AI-generated content before using it for professional or business purposes; f) You will apply appropriate professional judgement when interpreting and using AI-generated content; g) The limitations of AI technologies may affect the quality and reliability of AI-generated content in ways that cannot be fully predicted or controlled.

8.2 Our Warranties

We warrant that: a) We have the right to license the Software to you; b) The Software will perform materially in accordance with our documentation; and c) We will not knowingly introduce any malicious code into the Software.

8.3 Disclaimer of Warranties

EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE SOFTWARE IS PROVIDED "AS IS" AND WE HEREBY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SOFTWARE WILL BE ERROR-FREE OR UNINTERRUPTED OR THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS. WE SPECIFICALLY DISCLAIM ANY WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR QUALITY OF ANY AI-GENERATED CONTENT.

9. Limitation of Liability

9.1 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL EITHER PARTY'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS LICENCE, WHETHER IN CONTRACT, TORT, OR UNDER ANY OTHER THEORY OF LIABILITY, EXCEED THE TOTAL AMOUNT PAID BY YOU UNDER THIS LICENCE IN THE 12 MONTHS PRECEDING THE INCIDENT GIVING RISE TO THE LIABILITY.

9.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL EITHER PARTY HAVE ANY LIABILITY TO THE OTHER PARTY FOR ANY LOST PROFITS, REVENUES, OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, COVER, OR PUNITIVE DAMAGES, WHETHER AN ACTION IS IN CONTRACT OR TORT AND REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.3 Exceptions

Nothing in this Licence excludes or limits our liability for: a) Death or personal injury caused by our negligence; b) Fraud or fraudulent misrepresentation; or c) Any other liability that cannot be excluded or limited by English law.

10. Indemnification

10.1 Indemnification by You

You will defend, indemnify, and hold us harmless from and against any claims, damages, liabilities, costs, and expenses (including reasonable solicitors' fees) arising from or related to: a) Your use of the Software in violation of this Licence or applicable law; b) Your User Content; or c) Your violation of a third party's rights.

10.2 Indemnification by Us

We will defend, indemnify, and hold you harmless from and against any claims, damages, liabilities, costs, and expenses (including reasonable solicitors' fees) arising from or related to any claim that the Software, when used as authorised under this Licence, infringes a third party's intellectual property rights.

10.3 Procedure

The indemnifying party's obligations under this Section are conditioned on the indemnified party: a) Promptly notifying the indemnifying party in writing of the claim; b) Giving the indemnifying party sole control of the defence and settlement of the claim; and c) Providing reasonable assistance in the defence and settlement of the claim at the indemnifying party's expense.

11. General Provisions

11.1 Governing Law

This Licence will be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

11.2 Dispute Resolution

Any dispute arising from or relating to this Licence will be subject to the exclusive jurisdiction of the courts of England and Wales.

11.3 Entire Agreement

This Licence, together with the Privacy Policy and any other documents incorporated by reference, constitutes the entire agreement between the parties regarding the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning its subject matter.

11.4 Severability

If any provision of this Licence is held to be invalid or unenforceable, the remaining provisions will remain in effect and the invalid or unenforceable provision will be replaced with a valid provision that best reflects the intent of the original provision.

11.5 No Waiver

No failure or delay by either party in exercising any right under this Licence will constitute a waiver of that right.

11.6 Assignment

You may not assign or transfer this Licence or any rights or obligations hereunder, whether by operation of law or otherwise, without our prior written consent. We may assign this Licence in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of our assets.

11.7 Relationship of the Parties

The parties are independent contractors. This Licence does not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties.

11.8 Force Majeure

Neither party will be liable for any failure or delay in performance under this Licence (except for payment obligations) due to causes beyond that party's reasonable control.

11.9 Notices

All notices under this Licence must be in writing and will be deemed given: a) Upon receipt when delivered personally; b) Upon written verification of receipt from overnight courier; c) Upon verification of receipt of registered or certified mail; or d) Upon verification of receipt via email, provided that the notice is also sent by another method provided herein.

12. Contact Information

If you have any questions about this Licence, please contact us at:

Email: legal@casepattern.co.uk
Address: L25 Limited, St James House, Hollinswood Road, Telford, TF2 9TZ