Terms of Service

1. Acceptance of Terms

Welcome to Squids-In. These Terms of Service ("Terms") govern your access to and use of our website, mobile applications, and services (collectively, the "Service").

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

Squids-In ("we", "our", or "us") reserves the right to modify these Terms at any time. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

2. Eligibility and Age Requirements

2.1 Parent/Guardian Accounts

To create a parent account, you must:

• Be at least 18 years of age
• Be a parent or legal guardian of any children added to the account
• Reside in the United Kingdom
• Provide accurate and complete information during registration

2.2 Children's Accounts

Child accounts may only be created and managed by parents or legal guardians. Children's access to the Service:

• Is recommended for children aged 10 and above
• Requires parental consent and supervision
• Is subject to parental controls and approval for all financial actions
• May be restricted or terminated by the parent at any time

3. Account Registration and Security

3.1 Account Information

You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Notify us immediately of any unauthorised use of your account
• Accept responsibility for all activities that occur under your account

3.2 Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or for any other reason at our sole discretion.

4. Parent and Guardian Responsibilities

As a parent or guardian using the Service, you agree to:

• Supervise your children's use of the Service
• Review and approve all investment requests and financial decisions
• Verify the accuracy of all financial information entered into the Service
• Maintain the security of actual investment accounts with third-party providers
• Ensure children's activities comply with these Terms
• Accept full responsibility for all actions taken by children under your account
• Comply with all applicable laws and regulations regarding children's finances

5. Description of Services

Squids-In provides:

• Portfolio Tracking: Tools to track Junior ISAs, Junior SIPPs, and other investment accounts
• Educational Content: Lessons and resources about investing and financial literacy
• Calculators: Tools to project investment growth and tax relief benefits
• Gamification: Features to make financial education engaging for children
• Virtual Portfolio: A practice environment for children to learn about investing

The Service is for educational and tracking purposes only. We do not provide investment management, financial advice, or brokerage services.

6. Financial Disclaimer

6.1 Not Financial Advice

All information, content, and tools provided through the Service are for educational and informational purposes only and should not be construed as:

• Financial, investment, tax, or legal advice
• Recommendations to buy, sell, or hold any investment
• Endorsements of any financial products or providers
• Guarantees of investment performance or returns

6.2 Investment Risks

You acknowledge that:

• All investments carry risk, including potential loss of capital
• Past performance does not guarantee future results
• Projections and calculations are estimates based on assumptions
• You should seek professional financial advice before making investment decisions
• We are not responsible for investment losses or missed opportunities

6.3 Third-Party Accounts

Actual investment accounts (Junior ISAs, Junior SIPPs, etc.) are held with third-party providers. We have no control over, and accept no responsibility for, these accounts or the services provided by third parties.

7. User Responsibilities and Conduct

You agree to:

• Use the Service only for lawful purposes
• Provide accurate financial information when using tracking features
• Not attempt to gain unauthorised access to the Service or other users' accounts
• Not use the Service to transmit viruses, malware, or harmful code
• Not interfere with or disrupt the Service or servers
• Not scrape, copy, or redistribute content without permission
• Not impersonate others or misrepresent your affiliation
• Comply with all applicable laws and regulations

8. Intellectual Property Rights

8.1 Our Content

The Service, including all content, features, functionality, designs, logos, text, graphics, and software, is owned by Squids-In and protected by UK and international copyright, trademark, and other intellectual property laws.

8.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable licence to access and use the Service for personal, non-commercial purposes, subject to these Terms.

8.3 Your Content

You retain ownership of data and content you provide to the Service. By using the Service, you grant us a licence to use, store, and process your data solely to provide and improve the Service.

9. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

By using the Service, you consent to our data practices as described in the Privacy Policy and acknowledge that we process data in accordance with UK GDPR and applicable data protection laws.

10. Third-Party Services and Links

The Service may contain links to third-party websites, services, or resources. We do not endorse and are not responsible for:

• The availability, accuracy, or content of third-party services
• Third-party privacy practices or terms of service
• Any losses or damages arising from your use of third-party services

Your interactions with third parties are solely between you and the third party.

11. Service Availability and Changes

11.1 Availability

We strive to provide reliable access to the Service, but we do not guarantee that:

• The Service will be uninterrupted, timely, secure, or error-free
• All information will be accurate, complete, or current
• Defects will be corrected immediately
• The Service will be free from viruses or harmful components

11.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of the Service.

12. Limitation of Liability

• Loss of profits, revenue, data, or use
• Investment losses or missed opportunities
• Business interruption
• Loss of goodwill or reputation
• Any other intangible losses

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

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

13. Indemnification

You agree to indemnify, defend, and hold harmless Squids-In and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations
• Content you submit or transmit through the Service

14. Termination

14.1 By You

You may terminate your account at any time by contacting us at hello@squidsin.co.uk. Termination does not relieve you of obligations incurred prior to termination.

14.2 By Us

We may terminate or suspend your access immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended period of inactivity
• Request by law enforcement or government agencies
• Discontinuation of the Service

14.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Data retention after termination is governed by our Privacy Policy.

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Dispute Resolution

If you have a dispute, we encourage you to contact us first at hello@squidsin.co.uk to seek an informal resolution.

We will work in good faith to resolve any disputes amicably before pursuing formal legal action.

17. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted to this page, with the "Last Updated" date revised accordingly.

For material changes, we will:

• Provide prominent notice on the Service
• Notify you via email (if we have your email address)
• Give you an opportunity to review changes before they take effect

Your continued use of the Service after changes constitutes acceptance of the updated Terms. If you do not agree to changes, you must stop using the Service.

18. Miscellaneous

18.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Squids-In regarding the Service.

18.2 Severability

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

18.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

18.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign our rights and obligations without restriction.

18.5 No Agency

No agency, partnership, joint venture, employment, or franchise relationship is created by these Terms.

19. Contact Information

If you have questions about these Terms or the Service, please contact us: