Terms of Service

1. Agreement

These Terms of Service (“Terms”) govern your use of the Untie platform (“Platform”, “Service”) operated by LRARE Holdings Ltd (“we”, “us”, “our”, “LRARE”).

By creating an account and making payment, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

2. What Untie Is

Untie is a private financial scenario modelling platform. It allows you to enter financial information, model different separation scenarios, compare outcomes, and generate a structured clarity report.

3. Eligibility

You must be at least 18 years old to use the Platform. By creating an account, you confirm that you are 18 or older and that you have the legal capacity to enter into a binding agreement.

4. Your Account

4.1 Account creation

You must provide a valid email address and create a password to register. You may use an alias or one-time email address. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

4.2 Account security

You agree to notify us immediately if you become aware of any unauthorised access to your account. We are not liable for any loss arising from unauthorised use of your account where you have failed to maintain the security of your credentials.

4.3 One account per person

Each account is for a single individual. You may not create multiple accounts, share your account with others, or transfer your account. The Platform is designed for single-user modelling. We do not offer joint or multi-party accounts.

5. Payment

5.1 Pricing

Access to the Platform requires a one-time payment of £449 (inclusive of VAT where applicable). This payment grants you 12 months of access from the date of purchase.

5.2 Payment processing

Payments are processed by Stripe. The charge will appear on your bank or credit card statement as LRARE. The name Untie will not appear on any financial statement. By making a payment, you agree to Stripe's terms of service.

5.3 No subscription

There is no recurring subscription. You will not be charged again unless you choose to repurchase access after your 12-month period expires.

5.4 Refund policy

You are entitled to a full refund within 14 days of purchase under the Consumer Contracts Regulations 2013, provided you have not generated and downloaded a clarity report. If you have downloaded a clarity report, you acknowledge that the digital content has been fully delivered and you waive your right to the 14-day cooling-off period in respect of that content.

To request a refund, contact us at legal@untie.lrare.co.uk. Refunds will be processed to the original payment method within 10 business days.

6. Access Period

6.1 Duration

Your access to the Platform is valid for 12 months from the date of payment. During this period, you may use all Platform features including scenario modelling, comparison, and report generation.

6.2 Expiry

We will notify you by email 30 days before your access period expires. After expiry, you will no longer be able to access the Platform or your data. You should download any reports and export your data before your access period ends.

6.3 Data after expiry

If you do not renew access, your account and all associated data will be deleted 30 days after your access period expires. We will notify you before deletion. Once deleted, data cannot be recovered.

7. Your Data and Content

7.1 Ownership

You retain full ownership of all data you enter into the Platform, including financial figures, scenario configurations, and any other content you provide. We do not claim any ownership or licence over your data beyond what is necessary to operate the Platform.

7.2 How we use your data

We use your data solely to provide the Platform's functionality to you. Full details are set out in our Privacy Policy. In summary: we do not share, sell, or use your data for any purpose other than delivering the service you have paid for.

7.3 Data export

You may export your financial data at any time from the Settings page. The export is provided in JSON format. You may also download clarity reports in PDF format at any time during your access period.

7.4 Data deletion

You may delete your account and all associated data at any time from the Settings page. Deletion is permanent and irreversible. Certain records (such as payment transaction records held by Stripe) are retained in accordance with legal obligations as described in our Privacy Policy.

8. Acceptable Use

You agree to use the Platform only for its intended purpose: personal financial scenario modelling related to separation. You agree not to:

• Use the Platform for any unlawful purpose, including fraud, money laundering, or asset concealment
• Enter deliberately false information with the intent to mislead a court, mediator, solicitor, or any other party
• Attempt to access another user's data or account
• Reverse engineer, decompile, or disassemble any part of the Platform
• Use automated tools (bots, scrapers) to access or interact with the Platform
• Resell, sublicense, or commercially redistribute access to the Platform or its outputs
• Use the Platform on behalf of another person without their knowledge and consent

We reserve the right to suspend or terminate your account if we reasonably believe you are in breach of these terms.

9. Platform Disclaimers

9.1 Not legal or financial advice

The Platform provides financial modelling tools. It does not provide legal advice, financial advice, tax advice, or any form of professional counsel. The outputs of the Platform (including scenario results, comparison tables, and clarity reports) are illustrative models based on the figures you enter. They are not legal entitlements, court predictions, or guaranteed outcomes.

9.2 Accuracy of your data

The quality and accuracy of the Platform's outputs depend entirely on the accuracy of the data you enter. We do not verify, validate, or cross-reference your financial information against any external source. You are solely responsible for ensuring the information you enter is as accurate as possible.

9.3 Jurisdiction-specific limitations

The Platform is configured for UK separation planning. Family law differs across jurisdictions, and the Platform's default assumptions may not apply to your circumstances if your matter is subject to a different legal framework.

9.4 No guarantee of outcomes

Family law outcomes are discretionary. Courts have wide discretion to depart from any starting-point position. The Platform cannot and does not predict what a court would order in your specific circumstances. Any scenario modelled on the Platform is an illustrative calculation, not a forecast.

9.5 Maintenance calculations

Spousal maintenance figures on the Platform are entirely illustrative. Child maintenance figures are also illustrative. For an official child maintenance estimate, use the Child Maintenance Service calculator at gov.uk/calculate-child-maintenance.

10. Intellectual Property

The Platform, including its design, code, branding, visual identity, and documentation, is the intellectual property of LRARE Holdings Ltd. You may not reproduce, distribute, modify, or create derivative works from any part of the Platform without our prior written consent.

The clarity reports generated by the Platform are yours to use, share, and reproduce as you see fit for personal or professional purposes (for example, sharing with a solicitor or mediator). We retain no rights over the content of your reports beyond the Untie branding and formatting.

11. Limitation of Liability

To the maximum extent permitted by law:

• LRARE Holdings Ltd is not liable for any loss, damage, cost, or expense arising from your use of the Platform or reliance on its outputs, including but not limited to financial loss, loss of opportunity, or any consequential, indirect, or special damages
• Our total aggregate liability to you for any claim arising from or related to the Platform shall not exceed the amount you paid for access (£449)
• We are not liable for any decisions you make, or fail to make, based on information obtained from the Platform

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

12. Availability and Modifications

12.1 Platform availability

We aim to keep the Platform available at all times but do not guarantee uninterrupted access. We may occasionally need to suspend access for maintenance, updates, or for reasons beyond our control. Where possible, we will provide advance notice of planned downtime.

12.2 Changes to the Platform

We may update, modify, or improve the Platform from time to time. We will not remove core functionality (scenario modelling, comparison, report generation) during your active access period without providing a reasonable alternative or a pro-rata refund.

12.3 Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you via the email address associated with your account at least 30 days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

13. Termination

13.1 By you

You may terminate your account at any time by deleting it from the Settings page. If you terminate within the 14-day refund period and have not downloaded a clarity report, you are entitled to a full refund. After the refund period, no refund is provided on termination.

13.2 By us

We may terminate or suspend your account if we reasonably believe you have breached these Terms, or if required to do so by law. In the event of termination for breach, no refund is provided. We will notify you of termination by email and provide you with a reasonable opportunity to export your data before deletion, unless prohibited by law.

14. Solicitor Referral Directory

If and when an optional solicitor referral directory is made available on the Platform, the following terms will apply:

• The directory is informational only. Inclusion of a solicitor does not constitute an endorsement or recommendation by LRARE Holdings Ltd
• Any engagement between you and a solicitor you contact through the directory is a separate legal relationship governed by separate terms
• LRARE Holdings Ltd does not receive referral fees from any listed solicitor. We have no financial incentive relating to your decision to engage a solicitor
• We do not share any of your account data, financial modelling data, or platform activity with listed solicitors

15. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or in connection with these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LRARE Holdings Ltd regarding your use of the Platform. They supersede all prior agreements, representations, and understandings.

18. Contact

For any questions about these Terms, contact us at:

LRARE Holdings Ltd
The Stamp Exchange, Newcastle-upon-Tyne, NE1 1SA
legal@untie.lrare.co.uk
[INSERT: Companies House registration number]