Terms of Service

1. About these terms

These Terms of Service (“Terms”) govern your access to and use of the Mandate platform (“Service”) provided by Pevizsla Ltd, a company registered in England and Wales (“we”, “us”, or “Pevizsla”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. The Service

Mandate is a software-as-a-service (SaaS) platform that enables commercial finance brokers and credit professionals to perform structured credit assessments, model cash flow, and match transactions to lender criteria.

The Service is provided for professional use only. You must be at least 18 years old and acting in a business capacity to use the Service. Mandate is not intended for, and must not be used for, consumer credit assessments regulated under the Consumer Credit Act 1974.

3. Accounts and access

You must register for an account to use the Service. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at support@pevizsla.co.uk if you suspect unauthorised access.

Team plan subscribers may invite additional users up to their seat limit. Each user must have their own account; sharing credentials between multiple individuals is not permitted.

4. Subscription and payment

Access to the Service is subject to payment of the applicable subscription fee. Fees are billed in advance, either monthly or annually depending on your chosen plan. All fees are exclusive of VAT, which will be added where applicable.

Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. You may cancel at any time via your account settings or by contacting us; no refunds are provided for unused time within a billing period unless required by law.

Per-report fees are charged on a pay-per-use basis and are non-refundable once a report has been accessed.

5. Acceptable use

You agree not to:

• Use the Service in a way that violates any applicable law or regulation.
• Upload or process data to which you do not have lawful access or the right to use.
• Attempt to reverse engineer, decompile, or extract source code from the Service.
• Use automated means to access or scrape the Service without our prior written consent.
• Introduce viruses, malware, or other harmful code into the Service.
• Resell or sublicense access to the Service without our written agreement.
• Use the Service's AI features to generate misleading or fraudulent credit assessments.

6. Important disclaimer — not financial advice

The Service is a tool to assist credit professionals in structuring and documenting their own analysis. Nothing produced by the Service constitutes financial advice, investment advice, or a credit recommendation. All outputs — including AI-generated notes, DSCR calculations, lender matches, and cash flow models — are provided for informational purposes only and must be reviewed and verified by a qualified professional before reliance.

We make no warranty that lender criteria held within the Service are current, accurate, or complete. You are solely responsible for verifying lender appetite and eligibility directly with the relevant lender before submitting any application on behalf of a client.

7. Intellectual property

The Service, including its design, code, algorithms, and content, is owned by Pevizsla Ltd and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable licence to access and use the Service solely for your internal business purposes during your subscription term.

You retain ownership of all data and documents you upload to the Service. By uploading content, you grant us a limited licence to process it solely to provide the Service to you.

8. Data and privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you confirm that you have the lawful basis to share any third-party personal data (such as your clients' financial information) with the Service for processing.

9. Limitation of liability

To the maximum extent permitted by applicable law, Pevizsla Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of or inability to use the Service.

Our total aggregate liability for any claim arising under these Terms shall not exceed the total fees paid by you to us in the 12 months preceding the event giving rise to the claim.

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

10. Termination

We may suspend or terminate your access to the Service immediately if you breach these Terms, fail to pay applicable fees, or engage in conduct that we reasonably believe harms the Service or other users. Upon termination, your right to access the Service ceases and we may delete your account data in accordance with our data retention policy.

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.

11. Changes to these terms

We may update these Terms from time to time. We will provide at least 14 days' notice of material changes by email or via a notice within the Service. Continued use of the Service after the effective date of any changes constitutes acceptance of the revised Terms.

12. Governing law

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

13. Contact

For questions about these Terms, please contact us at legal@pevizsla.co.uk or visit our Contact page.