1.1 These Terms set out your rights and obligations when accessing or using the Website and/or the Website Content thereon. When certain words and phrases are used in these Terms, they have specific meanings (these are known as "defined terms"). Where a defined term is used, it has the meaning given to it in the section of these Terms where it was defined (you can find these meanings by looking at the sentence where the defined term is included in brackets and speech marks).

1.2 For the purposes of these Terms, "we", "us" or "our" shall mean Artificial Labs Ltd and its affiliates, officers, directors, partners and employees, and "you" or "your" shall mean the business or legal entity that is accessing the Website.

1.3 You represent and warrant that:

1.3.1 you have full legal authority to bind your employer or that business; and

1.3.2 you agree to these Terms on behalf of the business that you represent.

1.4 You represent and warrant that you are at least 18 years of age. If you are under 18 years of age, you may not access or use the Website.

1.5 Please note that we only use your personal information in accordance with our privacy policy found here.

2.1 The Website and any content, documents, data, images, software or other materials on it ("Website Content") is made available free of charge.

2.2 Subject to your compliance with these Terms, you are permitted to download and print the Website Content solely for your own use.

2.3 You are not permitted to publish, transmit, or otherwise reproduce the Website Content, in whole or in part, in any format to any third party. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you on the Website. These Terms are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by us or the third-party providers from whom we have obtained the information.

2.4 You are responsible for ensuring that you have and maintain all the hardware and software necessary to access the Website and the Website Content thereon. Any access fees or charges that are applicable in respect of accessing the Website are solely your responsibility.

2.5 You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms and that they comply with them.

3.1 We do not warrant, represent, undertake or agree that the Website or access to the Website Content will always be available or be uninterrupted. We will not under any circumstance be responsible for protecting your hardware, software, network or other systems from attacks, whether external or internal, or from software or other code meant to be harmful or disruptive, including any malicious software.

3.2 We do not warrant, represent, undertake or agree that: (i) use of the Website and/or Website Content will meet your requirements or deliver any particular benefits; or (ii) the Website and/or the Website Content will be error-free. We are under no obligation to maintain any Website Content or to supply any corrections, updates, or releases in connection therewith.

3.3 We may suspend, withdraw, discontinue, update or change all or any part of the Website and/or the Website Content without notice. We will not be liable to you if for any reason the Website and/or Website Content is unavailable at any time or for any period. We may update the Website and/or change the Website Content on it at any time.

3.4 The fact that we make the Website Content available to you, including any descriptions of our technology, products, or services, and any opinions or commentary published on our blog, does not constitute investment advice, legal advice, or any other professional advice and should not be construed as an offer to sell, a solicitation of an offer or recommendation of any financial instrument or insurance product. The Website and Website Content are provided for informational purposes only and are not intended to amount to any advice on which you should rely on.

3.5 We do not warrant, represent, undertake or agree that the Website Content is correct, accurate or reliable. We shall have no liability for any errors or omissions in the Website Content.

3.6 Except as expressly provided in these Terms, the Website and/or the Website Content are provided "as is" and to the extent permitted by law, we disclaim all other conditions, representations, undertakings, or other terms which might have effect between the parties with respect to the Website and/or the Website Content, or be implied or incorporated into these Terms, whether by statute, common law, custom or otherwise, including any implied conditions, warranties, undertakings or other terms relating to satisfactory quality, reasonable skill and care, fitness for any particular purpose, ability to achieve a particular result or arising from course or dealing or usage of trade.

General

4.1 You agree not to:

4.1.1 use the Website in any way that breaches these Terms or any applicable law or regulation;

4.1.2 copy, or otherwise reproduce or re-sell any part of the Website and/or the Website Content unless expressly permitted to do so in these Terms;

4.1.3 infringe our intellectual property rights or those of any third party in relation to your use of the Website or Website Content;

4.1.4 attempt to gain unauthorised access to our computers network;

4.1.5 do any act or thing that might damage, disrupt or otherwise interfere with the operation of the Website or any equipment, network or software used in operating the Website;

4.1.6 modify, decompile or reverse engineer any software or the source code of the underlying software supplied as part of, or in connection with, the Website and/or Website Content, except to the extent permitted by law;

4.1.7 "frame" or "mirror" any part of the Website and/or Website Content without our prior written consent;

4.1.8 execute any form of network monitoring or run a network analyser or packet sniffer or other technology to intercept, decode, mine or display any packets used to communicate between or with the servers of the Website;

4.1.9 rent, lease, sub-licence, loan, translate, merge, adapt, vary or modify the Website and/or Website Content other than as expressly permitted pursuant to these Terms;

4.1.10 make alterations or modifications of, the whole or part of any of the Website or permit the Website or any part of them to be combined with, or become incorporated into, other programs;

4.1.11 collect or harvest any information or data from our systems or attempt to decipher and transmission to or from the servers running the Website;

4.1.12 circumvent any technical measures we use to provide and/or secure the Website and/or Website Content;

4.1.13 attempt to gain unauthorised access to our computer systems or engage activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of the Website;

4.1.14 copy, archive, store, reproduce, rearrange, modify, download, upload, create derivative works from, display, perform, publish, distribute, redistribute or disseminate all or any part of the Website and/or Website Content unless as expressly permitted pursuant to these Terms;

4.1.15 access the Website and/or Website Content for the purpose of building a product using similar ideas, functions, features, interface or graphics as those found on the Website or via the Website Content; or

4.1.16 access the Website to upload any content (including any User Content) or computer code for the purposes of:

4.1.16.1 causing a breach or override of security to the Website;

4.1.16.2 interfering with the proper working, functionality or performance of the Website; and/or

4.1.16.3 preventing others from accessing or using the Website and/or Website Content.

Viruses

4.2 We do not guarantee that the Website will be secure, error-free or free from bugs or viruses. You are responsible for configuring your IT systems and equipment in order to access the Website and we recommend that you use your own virus protection software.

4.3 You must not:

4.3.1 knowingly introduce to the Website viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful;

4.3.2 attempt to gain unauthorised access to the Website, any server on which the Website is stored or any server, computer or database connected to the Website; or

4.3.3 attack the Website via a denial-of-service attack or a distributed denial-of service attack.

5.1 The Website may, from time to time, enable you to transmit, post, communicate or otherwise make available text, links, information, ideas, suggestions, content and other materials ("User Content"). You acknowledge and agree that you are solely responsible for all User Content you submit, provide or upload.

5.2 You agree that any unsolicited messages sent to us through the contact forms or generic mailboxes on the Website: (i) will be deemed to be User Content; (ii) will not be considered confidential; (iii) may be disclosed to others; (iv) may not receive a response; (v) and do not create a fiduciary or professional relationship with us.

5.3 You represent, warrant and undertake that you will not transmit any User Content that:

5.3.1 is unlawful, harmful, threatening, defamatory, obscene, infringing, harassing or racially or ethnically offensive; facilitates illegal activity; depicts sexually explicit images; or promotes unlawful violence, discrimination based on race, gender, colour, religious belief, sexual orientation, disability or any other illegal activities;

5.3.2 infringes the intellectual property rights or other legal rights of any person;

5.3.3 you do not have permission to transmit;

5.3.4 is misleading, inaccurate, incomplete, fraudulent, or deceptive;

5.3.5 contains software viruses, Trojan horses or any other computer code, files or programs designed to interrupt or destroy or limit the functionality of any computer software, hardware or telecommunications equipment, including to the Website;

5.3.6 interferes or attempts to interfere with the proper working of the Website or prevents or negatively affects other's ability to use the Website and/or Website Content;

5.3.7 uses any manual or automated means, including agents, robots, scripts or spiders to monitor or copy the Website and/or Website Content or the content contained therein;

5.3.8 includes personal or identifying information about another person in a manner that employs misleading email or IP addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of User Content transmitted through the Website;

5.3.9 constitutes or contains any form of advertising or solicitation to users who have requested not to be contacted about other services, products or commercial interests;

5.3.10 facilitates the unlawful distribution of copyrighted User Content; or

5.3.11 collects, uses or discloses data, including personal information about users without their informed consent or for unlawful purposes or in violation of applicable law or regulations.

5.4 We are not liable for, and take no responsibility for, any User Content.

5.5 You must consent to monitoring of User Content. Whilst we have no obligation to monitor, moderate or vet the User Content, we reserve the right to do so.

5.6 We may at any time, without prior notice, remove User Content and take appropriate measures regarding illegal content or content that violates these Terms, whether detected by us or reported by other users. Additionally, we may disclose any information necessary or deemed appropriate by us to satisfy our legal obligations.

6.1 Save for User Content (see paragraph 6.6 below), we are the owner or licensee of all intellectual property rights in the Website and Website Content, including but not limited to the "Artificial Labs", "Artificial", "Smart Underwriting", "Smart Placement" and "Contract Builder" names and marks. Those works are protected by intellectual property laws and treaties around the world. All such rights are reserved. Certain trademarks, logos and names displayed on the Website belong to their respective owners and are used by us under licence or with permission. Nothing in these Terms grants you any right to use any such third-party intellectual property.

6.2 You are not granted any right to use, and may not use, any of our intellectual property rights other than as set out in these Terms.

6.3 Subject to your compliance with these Terms, we grant you a non-transferable, non-sublicensable, non-exclusive, revocable, worldwide, royalty free licence to access and use the Website and Website Content that we make available to you. We may revoke or terminate this licence at any time, at our discretion, without notice or liability.

6.4 No part of the Website or Website Content, including, without limitation, the text, designs, graphics, photographs and images contained in it, may be copied, reproduced, republished, uploaded, re-posted, modified, transmitted or distributed or otherwise used in any way for any non-personal, public or commercial purpose without our prior written consent or as expressly permitted pursuant to these Terms.

6.5 Any communications or materials you send to us through the Website by electronic mail or other means (including your User Content) will be treated as non-proprietary and non-confidential. We are free to use any feedback, ideas, suggestions, concepts, designs, know-how and other information contained in such communications or material for any purpose, including but not limited to, improving the Website or Website Content.

User Content

6.6 You will retain ownership of your User Content, subject to any pre-existing rights that third parties may have in its content. If your User Content contains material and/or content owned or generated by a third party, you should ensure that you have permission from that third party to use such material and/or content before providing such User Content on the Website.

6.7 You grant us a non-exclusive, royalty free, sub-licensable, fully paid up, perpetual, irrevocable, worldwide licence to use, copy, modify, adapt, amend, prepare derivative works of, publish, transmit, distribute and otherwise use and exploit in any manner the User Content (including any derivative works thereof) in any format and through any media for all and any business purposes.

7.1 You represent, warrant and undertake that:

7.1.1 you are free to enter into these Terms and to perform the obligations imposed on you hereunder;

7.1.2 you shall comply with these Terms and all applicable law in relation to the exercise of your rights and fulfilment of your obligations under these Terms;

7.1.3 you own, or have a licence to use all rights (including intellectual property rights) in the User Content; and

7.1.4 the use by us of any User Content in accordance with these Terms shall not infringe the rights, including the intellectual property rights, of any third-party.

8.1 Nothing in these Terms excludes or limits our liability for:

8.1.1 death or personal injury caused by our negligence;

8.1.2 fraud or fraudulent misrepresentation; and

8.1.3 any matter in respect of which it would be unlawful for us to exclude or restrict our liability.

8.2 Subject to paragraph 8.1, and to the extent permitted by applicable law, we will not be liable to you for:

8.2.1 any losses incurred as a result of any claim by any third party which is made against you in respect of the provision or use of this Website, Website Content or any other matter relating to the subject matter of these Terms;

8.2.2 any loss of profits, revenue, contracts, customers, business or business opportunities, damage to goodwill, business interruption, anticipated savings, wasted expenditure or any loss, damage or corruption of data (regardless of whether any of these types of loss or damage are direct, indirect or consequential); or

8.2.3 any indirect or consequential loss, arising under or in relation to these Terms even if we were aware of the possibility that such loss or damage might be incurred by you.

8.3 Our total liability to you for any loss or damage arising out of or in connection with these Terms, whether in contract (including under any indemnity), tort (including negligence) or otherwise shall be limited to £100.

9.1 We assume no responsibility for the content of websites linked to from the Website (including links to our commercial sponsors and partners) ("Third Party Websites"). Such Third Party Websites should not be interpreted as endorsement by us of those Third Party Websites. We will not be liable for any loss or damage that may arise from your use of Third Party Websites.

9.2 If you link to the Website from a Third Party Website, you may only do so on the basis that you link to, but do not replicate, the home page of the Website, and you do not:

9.2.1 remove, distort or otherwise alter the size or appearance of the Artificial Labs logo;

9.2.2 create a frame or any other browser or border environment around the Website;

9.2.3 imply that we are endorsing any products or services other than our own;

9.2.4 misrepresent your relationship with us or present any other false information about us; or

9.2.5 link from a website that contains distasteful, offensive, controversial or illegal content, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

9.3 You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use or reliance on any such Third Party Websites made available or through any website or resource. Use of Third Party Websites is solely at your own risk.

10.1 If you breach any of these Terms, we may immediately do any or all of the following (without limitation):

10.1.1 issue a warning to you;

10.1.2 temporarily or permanently remove any User Content uploaded by you to the Website;

10.1.3 issue legal proceedings against you for reimbursement of all costs resulting from the breach (including, but not limited to, reasonable administrative and legal costs);

10.1.4 take further legal action against you; and/or

10.1.5 disclose such information to law enforcement authorities as we reasonably feel is necessary to do so.

11.1 We may make changes to these Terms from time to time (if, for example, there is a change in the law that means we need to change these Terms). Please check these Terms regularly to ensure that you understand the Terms that apply at the time that you access and use the Website and/or Website Content.

12.1 These Terms constitute the entire agreement between you and us in relation to your access and use of the Website and any Website Content thereon. It replaces and extinguishes all prior agreements, collateral warranties, collateral contracts, statements, representations and undertakings made by or on behalf of the parties, whether oral or written, in relation to that subject matter.

12.2 You acknowledge that in entering into these Terms, you have not relied upon any collateral warranties, collateral contracts, statements, representations or undertakings, whether oral or written, which were made by or on behalf of us in relation to the subject-matter of these Terms ("Pre-Contractual Statements") and which are not set out in these Terms.

12.3 You hereby waive all rights and remedies which might otherwise be available to you in relation to such Pre-Contractual Statements.

12.4 Nothing in this paragraph shall exclude or restrict the liability of either party arising out of its pre-contract fraudulent misrepresentation or fraudulent concealment.

13.1 Force Majeure. We shall not be in breach of these Terms nor liable for delay in performing, or failure to perform, any of our obligations under these Terms if such delay or failure results from events, circumstances or causes beyond our reasonable control, including, without limitation, strikes, lock-outs or other industrial disputes (whether involving our workforce or any other party), failure of a utility service or transport or telecommunications network or the internet, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or default of suppliers or sub-contractors. In such circumstances we shall be entitled to a reasonable extension of the time for performing such obligations.

13.2 No Waiver. The failure to exercise, or delay in exercising, a right, power or remedy provided by these Terms or by law shall not constitute a waiver of that right, power or remedy. If a party waives a breach of any provision of these Terms, this shall not operate as a waiver of a subsequent breach of that provision, or as a waiver of a breach of any other provision.

13.3 Rights and Remedies. Except as expressly provided in these Terms, the rights and remedies provided under these Terms, are in addition to, and not exclusive of, any rights or remedies provided by law.

13.4 Severance. If any provision, or part of a provision, of these Terms is found by any court or authority of competent jurisdiction to be illegal, invalid or unenforceable, that provision or part-provision shall be deemed not to form part of these Terms, and the legality, validity or enforceability of the remainder of the provisions of these Terms shall not be affected, unless otherwise required by operation of applicable law. If any invalid, unenforceable or illegal provision would be valid, enforceable or legal if some part of it were modified, the provision shall apply with whatever modification is necessary to give effect to the commercial intention of the parties.

13.5 Assignment. You shall not, without the prior written consent of us assign, transfer, charge, sub-contract or deal in any other manner with all or any of its rights or obligations under these Terms. We may, at any time, assign, transfer, charge, sub-contract or deal in any other manner with all or any of its rights or obligations under these Terms. You shall enter into any further agreements reasonably required by us to give effect to any of the above.

13.6 Relationship of the Parties. Nothing in these Terms are intended to, or shall be deemed to, establish or constitute any partnership or joint venture between any of the parties, create a relationship of principal and agent for any purpose between the parties, or authorise either party to make or enter into any commitments for or on behalf of the other party.

13.7 Third Party Rights. A person who is not a party to these Terms may not enforce any of its provisions under the Contracts (Rights of Third Parties) Act 1999.

14.1 These Terms are governed by the laws of England and Wales. This means that your access to and use of the Website, Website Content and any dispute or claim arising out of or in connection therewith (including non-contractual disputes or claims), will be governed by English law.

14.2 You and we irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Terms or its subject matter or formation.

You can contact us by using the details at: https://artificial.io/contact/

Terms last updated: 1 April 2026