Terms & Conditions

1. Acceptance of These Terms

By accessing the website, creating an account, submitting a brief, or placing an order, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use the website or purchase from us.

If you are acting on behalf of a company, partnership, or other organisation, you confirm that you have authority to bind that entity to these Terms, and references to "you" include that entity.

2. Company Information and Legal Disclosures

This website is operated by Comerzia LTD, a private limited company incorporated and registered in England and Wales under company number 16068070. Our registered office is at Unit 7 Initial Business Centre, Wilson Business Park, Manchester, United Kingdom, M40 8WN, which is also our trading address and the address at which we may be served with notices.

Our contact email address is Comerziauk@gmail.com. We operate exclusively online and do not maintain a telephone support line; email is our sole channel for enquiries, support, complaints, and formal notices. Any notice you are required or permitted to give us under these Terms may validly be given by email to that address.

Comerzia LTD is not currently registered for value added tax in the United Kingdom. Accordingly, no VAT is charged on our prices and our invoices and receipts do not show a VAT element or a VAT registration number. All prices displayed on the website are inclusive of any tax that is applicable to the supply at the point of sale. If we become registered for VAT, or if a tax becomes chargeable on a supply to you, we will state that clearly at the point of sale before you pay.

3. Definitions

In these Terms, the following words have the following meanings. "Brief" means the information about your business, concept, market, assumptions, and objectives that you submit at checkout so that a Plan can be generated. "Package" means one of the pre-configured products listed on the website. "Custom Plan" means a plan configured by you using the custom configuration tool. "Plan" means the business plan document generated for you and made available for download, together with any accompanying files. "Platform" means the website, the underlying software, our prompts, templates, structures, and generation system.

"Order" means your request to purchase a Package or Custom Plan, submitted through the checkout together with your Brief and payment. "Generation" means the automated process by which your Plan is produced.

4. Nature of the Service - What You Are Buying

We supply a one-time digital product. You choose a Package or configure a Custom Plan, you complete a Brief describing your business, you pay once, and an automated artificial intelligence system generates a business plan document which is made available to you for download, ordinarily within minutes of your payment being confirmed.

You are not purchasing a consultancy service, a retainer, a subscription, a course, a review, or any human professional time. There is no consultant, adviser, or analyst assigned to your Order. There are no sessions, meetings, calls, or appointments, and there is nothing to schedule. No human being reviews, verifies, edits, or approves your Plan before it is delivered to you unless we expressly agree otherwise in writing.

What you receive is a document generated from what you wrote. Its usefulness depends heavily on the quality and accuracy of your Brief, and it is supplied on the basis that you will read it, check it, and take responsibility for it before you rely on it or give it to anyone else.

5. AI-Generated Content Disclosure

You acknowledge and accept that your Plan is machine-generated. It is produced by an automated artificial intelligence system, operated by a third-party provider on our instructions, which composes text in response to your Brief and the parameters of the product you selected. It is not written, checked, or signed off by a human author.

Artificial intelligence systems of this kind can and do produce output that is inaccurate, incomplete, internally inconsistent, out of date, generic, or plainly wrong. They can state things with confidence that are not true, including invented figures, invented sources, invented statistics, invented citations, invented competitors, and invented market data. They can misunderstand a Brief. They can produce material that resembles output generated for another customer with a similar Brief. This is an inherent characteristic of the technology and not a defect in our service.

You are therefore responsible for reviewing your Plan in full before using it for any purpose. You must independently verify every figure, factual claim, market assertion, legal or regulatory statement, and reference in it. You must not treat it as a finished, verified, or authoritative document. To the fullest extent permitted by law, we do not warrant that any part of the output is accurate, complete, current, original, or fit for any particular purpose, and we accept no liability for your use of unverified output.

6. Not Financial, Legal, Investment, or Tax Advice

The Plan and everything on the website are provided for general informational and business planning purposes only. They do not constitute and must not be relied upon as legal advice, regulated financial advice, investment advice or an investment recommendation, tax or accounting advice, immigration advice, insolvency advice, or any other regulated professional service requiring specific licensing or authorisation in your jurisdiction.

We are not authorised or regulated by the Financial Conduct Authority, we are not registered or regulated as immigration advisers, and we are not a firm of solicitors, accountants, or auditors. Nothing we supply is a personal recommendation and nothing we supply takes account of your individual circumstances, objectives, or risk tolerance beyond repeating back and structuring what you told us in your Brief.

If your situation requires specialist legal, tax, regulatory, immigration, accounting, or financial advice, you must consult a suitably qualified and, where relevant, authorised professional. Please also read our Disclaimer, which forms part of these Terms.

7. Eligibility and Account Registration

You must be at least 18 years old and have the legal capacity to enter into a binding contract in order to place an Order. By ordering, you confirm that this is the case.

You may be required to create an account. You are responsible for keeping your account credentials confidential and for all activity carried out under your account. You must notify us promptly at Comerziauk@gmail.com if you believe your account has been accessed without your authorisation. We may suspend or close an account where we reasonably believe it is being used in breach of these Terms.

8. Acceptable Use and Prohibited Briefs

You agree to use the website and our products lawfully, responsibly, and in good faith. You must not misuse the website, attempt unauthorised access, interfere with security features, upload malicious code, scrape or systematically extract content in a manner that harms our systems or rights, attempt to reverse engineer, extract, or reconstruct our prompts, templates, or generation logic, use the Platform to build a competing product, resell access to the Platform, or use automated means to place Orders other than as we permit.

You must not submit a Brief for, or seek a Plan relating to, any business, activity, or purpose that is unlawful, fraudulent, deceptive, or intended to facilitate any of those things. Without limitation, you must not use our products in connection with: fraud, money laundering, terrorist financing, or sanctions evasion; any Ponzi, pyramid, or similar scheme; the production of a document intended to mislead a bank, investor, grant body, insurer, immigration authority, tax authority, court, or any other person; unlicensed activity in a regulated sector; the sale of illegal goods or services; or any activity that would breach applicable sanctions or export controls.

You must not use a Plan, or any part of it, to make representations to any third party that you know or ought reasonably to know are false or unverified. We may refuse, cancel, or terminate any Order that we reasonably consider falls within this section, and we may report unlawful activity to the appropriate authorities. Refusal or cancellation on this basis does not entitle you to compensation beyond, where appropriate, a refund of the price paid.

9. Orders, Packages, Custom Plans, and Formation of Contract

Website content, including package descriptions and prices, is an invitation to treat and does not constitute an offer capable of acceptance. Your submission of an Order, together with your Brief and payment, constitutes an offer to purchase on these Terms.

A binding contract is formed when we accept your Order, which ordinarily occurs when your payment is confirmed and Generation begins, or when we send you an order confirmation, whichever is earlier. If we are unable to accept your Order, we will notify you and will not charge you, or will refund you promptly if payment has already been taken.

We reserve the right to decline any Order before acceptance, including where the Brief falls within section 8, where the request is outside the scope of what our product is designed to produce, where we suspect fraud or unauthorised use of a payment method, where there has been an obvious pricing or description error, or where supply would create legal or reputational risk. Custom Plans are configured by you within the parameters made available by the configuration tool, and the price is calculated and displayed to you before you pay.

10. Accuracy of the Information You Supply

You warrant that the information you provide in your Brief and at checkout is accurate, complete, current, lawful, and not misleading, and that you are entitled to provide it. You warrant that you own or are licensed to use any material you submit, and that submitting it does not infringe the intellectual property, confidentiality, privacy, or other rights of any third party.

You acknowledge that the Plan is generated from your Brief and that its quality, relevance, and accuracy depend directly on the quality, relevance, and accuracy of what you submit. If the Brief is vague, incomplete, internally contradictory, inaccurate, or wrong, the resulting Plan will reflect that. A Plan that faithfully reflects a deficient Brief is not a defective product, and we will not be liable for, and you will not be entitled to a refund on the basis of, output that is unsatisfactory because the information supplied to generate it was unsatisfactory.

You are solely responsible for the assumptions contained in your Brief, including any financial assumptions such as pricing, volumes, conversion rates, growth rates, costs, margins, and funding requirements. We do not verify, audit, challenge, or independently research anything you tell us.

11. Licence to Use Your Brief for Generation

You grant us a non-exclusive, worldwide, royalty-free licence to store, reproduce, transmit, process, and adapt your Brief and any material you submit with it, for the purposes of producing, delivering, and supporting your Plan, retaining a record of your Order, and complying with our legal obligations. This licence includes the right to transmit your Brief to our third-party artificial intelligence provider so that Generation can take place, as described in our Privacy Policy.

This licence is limited to those purposes. We do not claim ownership of your Brief, which remains yours. We do not use your Brief to market to third parties, and we do not sell it. Our commercial arrangements with our artificial intelligence provider provide, at the date of these Terms, that material submitted through the interface we use is not used to train that provider's models.

The licence continues for as long as we retain your Order record in accordance with our Privacy Policy, and to the extent necessary thereafter to defend legal claims or comply with a legal obligation.

12. Delivery

We aim to make your Plan available for download within minutes of your payment being confirmed. That timing is a target and not a contractual guarantee. Generation time may vary with the size and complexity of the product ordered, the length of your Brief, system load, and the availability of our artificial intelligence provider.

Delivery occurs when the Plan is made available to you for download through the website or is sent to the email address associated with your Order. It is your responsibility to provide a correct email address and to download and retain your own copy of the document. We may retain a copy in your account for re-download as described in our Privacy Policy, but you should not rely on us as your only source of the file.

If Generation does not complete, we will ordinarily retry it. Where an Order cannot be completed at all, our Refund Policy applies.

13. Price, Payment, and Currency

Prices are displayed on the website at the point of sale. Packages are offered within a range of approximately EUR 50 to EUR 1,000, and Custom Plans are priced according to the configuration you select, within a range of approximately EUR 20 to EUR 5,000. The price applicable to your Order is the price shown to you at checkout before you pay.

Payment is taken in full at the time of the Order. We do not take deposits, we do not offer instalments, and we do not invoice in arrears unless expressly agreed in writing. As stated in section 2, we are not currently registered for VAT and prices are inclusive of any tax applicable to the supply.

Where prices are displayed in a currency other than the currency of your payment method, the amount actually debited will be determined by your card issuer or payment provider using its own exchange rate, and your provider may apply its own fees, foreign transaction charges, or cross-border charges. Those amounts are outside our control and are not refundable by us. We may change our prices at any time, but a change will not affect an Order we have already accepted.

14. Intellectual Property in Your Plan

Subject to full payment of the price of your Order, we assign to you, to the extent that we hold them and to the fullest extent permitted by law, all rights we may have in the specific business plan document delivered to you, and you own that delivered document. You may use, edit, adapt, reproduce, publish, and submit it to third parties, including banks, investors, grant bodies, and authorities, for your own business purposes, without any further payment to us and without any obligation to credit us.

This ownership applies to the delivered document as a whole. It does not extend to, and no rights are granted in, the Platform or any of the underlying components described in section 15, even where those components influence the structure or presentation of the document.

You acknowledge that, under the law of England and Wales, the copyright position in works generated by a machine without a human author is uncertain and may mean that some or all of the delivered document attracts no copyright protection at all, or that any protection is limited. Our assignment is of whatever rights exist and are capable of assignment. We do not warrant that the delivered document is protected by copyright, that it is original, or that it is not similar to output generated for another customer, and we give no warranty of non-infringement in respect of it. If rights do not exist, they cannot be assigned, and nothing in this section obliges us to create them.

15. Our Intellectual Property

All intellectual property rights in the Platform remain owned by us or our licensors. This includes the website, its design, code, branding, logos, and text; our prompts, instructions, and generation logic; our document structures, templates, layouts, and formatting; our packages, configuration parameters, and pricing models; and any know-how relating to any of them. Nothing in these Terms transfers any of those rights to you.

You must not copy, reproduce, resell, sublicense, distribute, or commercially exploit the Platform, and you must not attempt to extract, replicate, or reverse engineer our prompts, templates, or generation system, whether by inspecting delivered output or otherwise.

Nothing in this section prevents you from doing anything you are entitled to do with the delivered document under section 14 or under any right that cannot lawfully be excluded.

16. No Warranty of Acceptance by Any Third Party

We do not warrant, represent, or guarantee that any Plan will be accepted, approved, or acted upon favourably by any third party. Without limitation, we give no warranty that a Plan will be accepted by any bank, lender, or credit provider; will result in a loan, overdraft, or credit facility being approved; will attract investment from any investor, venture fund, or angel; will satisfy the requirements of any grant body or result in a grant being awarded; will be accepted by the Home Office, UK Visas and Immigration, any endorsing body, or any other immigration or visa authority in any country; will satisfy any regulator, licensing body, landlord, insurer, franchisor, or counterparty; or will meet any particular format, template, or evidential standard that any third party may require.

Third parties set their own criteria and apply their own judgement. Many of them impose specific requirements as to content, format, evidence, independence, and authorship, and some expressly require plans to be prepared or verified by a suitably qualified human professional or refuse to accept AI-generated material. It is your responsibility to establish what any third party requires before you order, and to check the delivered Plan against those requirements before you submit it.

A refusal, rejection, or unfavourable decision by any third party is not a failure of our product, does not constitute a breach of these Terms by us, and is not a ground for a refund.

17. Cancellation, Refunds, and Your Statutory Rights

Our Refund Policy forms part of these Terms and sets out in full how cancellations and refunds are handled, including the fourteen-day right to cancel that applies to consumers under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and the circumstances in which that right is lost.

In summary, and because the product is digital content delivered immediately, you are asked at checkout to consent expressly to Generation beginning at once and to acknowledge that you will lose your right to cancel once it does. If you give that consent and Generation begins, your statutory right to cancel is lost. Full details, including the consequences of not giving that consent, are in the Refund Policy.

Nothing in these Terms or in the Refund Policy affects your statutory rights as a consumer, including your rights in respect of digital content under the Consumer Rights Act 2015.

18. Generation Failures and Regeneration

If Generation fails, produces a corrupted or unreadable file, produces a document that is materially incomplete, or produces a document that does not correspond to the product you ordered, contact us at Comerziauk@gmail.com and we will investigate. Our ordinary first remedy is to regenerate the Plan at no additional cost.

Regeneration will produce a new document. Because the system is not deterministic, the new document will not be identical to the first, and it may differ in structure, wording, and emphasis even where the same Brief is used. Where the problem was caused or contributed to by your Brief, we may ask you to amend or clarify it before regenerating.

Where regeneration is not possible or does not resolve a material failure attributable to us, the Refund Policy sets out what happens next.

19. Data Protection

Where personal data is processed in connection with the website or our products, each party will comply with applicable data protection law to the extent relevant to its role. Our handling of personal data is described in our Privacy Policy, which explains in particular the transmission of your Brief to our third-party artificial intelligence provider and the international transfer that this involves.

You agree not to include special category personal data, criminal offence data, or unnecessary third-party personal data in a Brief, as described in our Privacy Policy. Where you do include personal data about any other individual, you confirm that you have a lawful basis for providing it to us and that you have given any notice required by law.

20. Website Availability and Third-Party Links

We aim to keep the website available and reasonably current, but we do not guarantee that it will be uninterrupted, error-free, secure, or available at any particular time. We may suspend, withdraw, or restrict all or part of the website for business or operational reasons, including maintenance, and we will try to give reasonable notice where practical.

The website may contain links to third-party sites or services for convenience. We do not control and are not responsible for their content, availability, terms, or security, and inclusion of a link does not imply endorsement.

21. Limitation of Liability

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for any breach of the terms implied by the Consumer Rights Act 2015 where you are a consumer, or for any other liability that cannot lawfully be excluded or limited.

Subject to that, and to the fullest extent permitted by law, our total aggregate liability arising out of or in connection with the website, an Order, a Brief, or a Plan, whether in contract, tort including negligence, breach of statutory duty, or otherwise, is limited to the amount actually paid by you to us for the specific Order giving rise to the claim.

Subject to the first paragraph of this section, we are not liable for indirect, incidental, consequential, special, punitive, or exemplary loss, nor for loss of profits, revenue, business, goodwill, opportunity, anticipated savings, funding, investment, contracts, or reputation, nor for business interruption, nor for any loss arising from a decision taken by you or by any third party on the basis of a Plan, nor for any loss arising from your failure to review and verify a Plan before relying on it or submitting it. Where you are a consumer, we are not liable for any loss that relates to your use of a Plan for a business purpose, and we are not liable for loss that was not foreseeable at the time the contract was formed.

22. Indemnity

If you are not a consumer, you agree to indemnify us and hold us harmless, to the fullest extent permitted by law, against all claims, losses, liabilities, damages, and reasonable costs arising from your breach of these Terms, the content of your Brief, your use or submission of a Plan to any third party, any representation you make on the basis of a Plan, your infringement of third-party rights, or your unlawful or fraudulent use of our products.

This section does not apply to you where you are acting as a consumer, and nothing in it limits any right you have that cannot lawfully be excluded.

23. Suspension and Termination

We may suspend or terminate your access to the website or your account, and may decline future Orders, where you breach these Terms, where we reasonably suspect fraud or unlawful use, where a payment is reversed or charged back, where your conduct towards us is abusive, or where continued supply would create legal or reputational risk.

Termination does not affect rights and obligations accrued before termination. Sections concerning payment, intellectual property, licence to use your Brief, disclaimers, limitation of liability, indemnity, data protection, and governing law survive termination.

24. Force Majeure

We are not liable for delay or failure to perform caused by events beyond our reasonable control, including acts of God, epidemic or pandemic events, war, civil unrest, power outages, internet or network disruption, cyber incidents, failure or unavailability of our hosting provider, database provider, payment provider, or artificial intelligence provider, changes in the terms or availability of any third-party service on which the product depends, labour disputes, government action, and legal or regulatory change.

If such an event prevents us from supplying a Plan you have paid for, and the event continues such that supply becomes impossible, we will refund the price paid for that Order. That refund is your sole remedy in those circumstances, subject to any right that cannot lawfully be excluded.

25. Complaints and Contact

If you have a complaint, contact us at Comerziauk@gmail.com with your order reference and a clear description of the issue. We aim to acknowledge complaints promptly and to resolve them fairly and without unnecessary delay.

We are not currently a member of an alternative dispute resolution scheme or trade association complaints body. If you are a consumer resident in the United Kingdom and we cannot resolve your complaint, you retain the right to bring proceedings in the courts as described in section 27, and you may wish to seek advice from Citizens Advice.

26. General

These Terms, together with our Privacy Policy, Cookie Policy, Disclaimer, and Refund Policy, and the details of the Order you place, constitute the entire agreement between us in relation to their subject matter and supersede any prior statement or understanding, except that nothing excludes liability for fraudulent misrepresentation and nothing limits the statutory rights of a consumer.

We may assign or transfer our rights and obligations under these Terms to another entity, and we will notify you if we do; your rights under these Terms will not be affected. You may not assign or transfer your rights or obligations without our prior written consent. If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be severed to the minimum extent necessary and the remaining provisions will continue in full force.

A person who is not a party to these Terms has no right to enforce them under the Contracts (Rights of Third Parties) Act 1999. No delay or failure by us to exercise a right is a waiver of that right. Notices to you may be sent to the email address associated with your account or Order; notices to us must be sent to Comerziauk@gmail.com.

27. Governing Law and Jurisdiction

These Terms, their subject matter, their formation, and any non-contractual obligations arising out of or in connection with them are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with them.

If you are a consumer resident in a part of the United Kingdom other than England and Wales, you may also bring proceedings in the courts of the part of the United Kingdom in which you live, and the mandatory consumer protection law of that part will continue to apply to you. If you are a consumer resident outside the United Kingdom, nothing in this section deprives you of the protection of any mandatory provision of the law of your country of habitual residence that cannot lawfully be excluded by agreement.

28. Changes to These Terms

We may update these Terms from time to time to reflect changes in law, technology, our providers, or our business. Revised Terms become effective when posted on the website or otherwise notified to you.

The version of these Terms in force at the time you place an Order governs that Order. Continued use of the website after revised Terms take effect constitutes acceptance of them, to the extent permitted by law.