Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the Provalio platform, website and services (collectively, "Services") provided by Provalio ("we", "us", "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

2. Nature of Services

Provalio provides indicative business valuations, investor readiness diagnostics, strategic advisory outputs, M&A support tools, credit assessments and related reports. All outputs are for informational and advisory purposes only and do not constitute regulated financial advice, investment recommendations, or formal valuation opinions.

Provalio is not authorised or regulated by the Financial Conduct Authority (FCA) to provide investment advice or carry out regulated activities as defined under the Financial Services and Markets Act 2000 (FSMA).

3. User Accounts & Access

Access to the Provalio platform is granted by invitation only. You are responsible for maintaining the confidentiality of your login credentials and for all activity carried out under your account. You must notify us immediately of any unauthorised use of your account.

We reserve the right to suspend or terminate access at our sole discretion, including for breach of these Terms or misuse of the platform.

4. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorised access to any part of the platform or its data
• Reverse engineer, copy, distribute or resell any platform content or outputs without written permission
• Upload malicious code, viruses or any content that may harm the platform or other users
• Use Omnerain™-generated outputs as the sole basis for material financial or investment decisions without independent professional verification

5. Intellectual Property

All content, software, algorithms, branding, methodologies and reports produced by Provalio remain our exclusive intellectual property. Outputs generated for your company or clients may be used for your internal advisory purposes only. Redistribution or commercialisation of Provalio outputs without our written consent is prohibited.

6. Data & Confidentiality

You may upload confidential company data to the platform in the course of using our Services. We treat all uploaded data as confidential and will not share it with third parties except as required by law or as described in our Privacy & GDPR Policy. Please refer to our GDPR & Privacy Policy for full details.

7. AI-Generated Content

Portions of our reports, narratives and assessments are generated using artificial intelligence. While we apply quality controls, Omnerain™-generated content may contain errors, omissions or inaccuracies. All Omnerain™-generated content must be reviewed by a qualified professional before being relied upon, communicated to third parties, or used in any regulated context.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Provalio, its directors, officers, employees and agents shall not be liable for any direct, indirect, incidental, special, consequential or punitive losses or damages arising from:

• Reliance on any valuation, diagnostic score, or report produced by the platform
• Business or investment decisions made based on platform outputs
• Interruption, errors or unavailability of the platform
• Unauthorised access to your data or account

Our total aggregate liability to you shall not exceed the fees paid by you to Provalio in the three months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Provalio and its affiliates from any claims, losses, liabilities, damages or costs (including reasonable legal fees) arising from your use of the Services, breach of these Terms, or infringement of any third-party rights.

10. Modifications

We reserve the right to update these Terms at any time. We will notify registered users of material changes. Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

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

12. Contact

For questions regarding these Terms, please contact us at hello@provalio.co.uk.