Terms of Service

1. Agreement to Terms

By accessing or using TorlyAI (the "Service"), operated by Innovatorly Ltd ("we", "our", or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

2. Company Information

Innovatorly Ltd (trading as TorlyAI)
Company Number: 16674855
Registered in England and Wales
Registered Office: 167-169 Great Portland Street, London, W1W 5PF
Email: contact@torly.ai

3. Services Description

TorlyAI provides the following services:

• Visa Assessment Tool: AI-powered analysis of UK Innovator Visa eligibility
• Business Plan Guidance: Recommendations for preparing visa applications
• Resource Library: Educational content about UK immigration processes
• Consultation Services: Business consultancy related to visa applications (subject to availability)

4. Use of Services

4.1 Eligibility

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you meet this requirement.

4.2 Account Registration

To access certain features, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your password
• Accept all responsibility for activity under your account
• Notify us immediately of any unauthorized access

4.3 Prohibited Uses

You agree NOT to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) without permission
• Transmit viruses, malware, or harmful code
• Impersonate any person or entity
• Collect user information without consent
• Use the Service to provide immigration advice without proper authorization

5. Limitations on Service

You should:

• Consult a qualified immigration lawyer for legal advice
• Verify all information with official UK government sources
• Seek professional guidance for your specific circumstances

6. Intellectual Property Rights

6.1 Our Content

All content on the Service, including text, graphics, logos, software, and AI algorithms, is owned by Innovatorly Ltd and protected by UK and international copyright laws.

6.2 Your Content

You retain ownership of content you submit (business information, assessment data). By submitting content, you grant us a worldwide, non-exclusive license to:

• Use your data to provide and improve the Service
• Analyze data in aggregate for research and development
• Store and process data as necessary to deliver services

We will NOT:

• Sell your personal data to third parties
• Use your confidential business information for competitive purposes
• Share your data except as described in our Privacy Policy

7. Payment Terms

7.1 Free Services

Basic visa assessment features are provided free of charge. We reserve the right to limit features or usage of free services.

7.2 Paid Services

Premium features or consultation services (if offered) require payment. You agree to:

• Provide accurate payment information
• Pay all fees when due
• Reimburse us for any chargeback fees if disputes are found to be invalid

7.3 Refund Policy

Refunds are handled on a case-by-case basis. Generally:

• Free services are not eligible for refunds
• Paid consultations may be refunded if cancelled 48 hours in advance
• Digital products (reports, assessments) are non-refundable once delivered

8. Limitation of Liability

Our total liability to you for any claims arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months prior to the claim.

We are NOT liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Service interruptions or technical errors
• Third-party actions or content

9. Indemnification

You agree to indemnify and hold harmless Innovatorly Ltd, its directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your submission of false or misleading information

10. Data Protection and Privacy

We are committed to protecting your privacy in accordance with UK GDPR and the Data Protection Act 2018. Please review our Privacy Policy for details on how we collect, use, and protect your data.

You have rights under UK data protection law, including:

• Right to access your data
• Right to correction and deletion
• Right to data portability
• Right to object to processing

11. Termination

11.1 By You

You may terminate your account at any time by contacting us at contact@torly.ai

11.2 By Us

We may suspend or terminate your access immediately if you:

• Violate these Terms
• Engage in fraudulent activity
• Abuse or misuse the Service
• Fail to pay fees when due

11.3 Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• We may delete your account and data (subject to legal retention requirements)
• Provisions of these Terms that should survive termination will remain in effect

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms with a new "Last Updated" date
• Sending email notification to registered users
• Displaying a prominent notice on our website

Your continued use of the Service after changes become effective constitutes acceptance of the new Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Dispute Resolution

Before filing any legal claim, you agree to:

• Contact us in writing to attempt informal resolution
• Provide a detailed description of the dispute
• Work with us in good faith for 30 days to resolve the issue

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Service, constitute the entire agreement between you and Innovatorly Ltd.

17. Contact Information

For questions about these Terms, please contact us:

18. Acknowledgment

By using TorlyAI, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You understand we are a business consultancy, not a law firm
• You will seek professional legal advice for immigration matters
• You use the Service at your own risk