Governing Law & Dispute Resolution

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation - including non-contractual disputes or claims - are governed by and construed in accordance with the law of England and Wales.

If you are a consumer, this choice of law does not deprive you of the protection given to you by the mandatory rules of the law of the country where you habitually reside. Those protections continue to apply to you in addition to English law.

The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Find yourself in this list:

• You are a consumer in the UK, EU, or Northern Ireland. Sections 3 to 6 apply. You are not required to arbitrate, and you are not bound by the class action waiver. You may bring proceedings in the courts of your own country.
• You are a business user outside the United States. Sections 3 to 5 apply: informal resolution, then mediation, then the courts of England and Wales.
• You are in the United States, whether a consumer or a business. Section 7 applies, and your dispute is resolved by binding individual arbitration under our Arbitration Agreement, subject to the carve-outs in section 8 and your right to opt out within 30 days.
• You are anywhere else. Sections 3 to 5 apply.

Most problems are misunderstandings, billing errors, or bugs, and are fixed quickly. Before starting formal proceedings, please send a written description of the dispute, the outcome you want, and your account email to [email protected].

We will acknowledge within five (5) business days and try in good faith to resolve it with you within thirty (30) days of your notice. If you are a business user, completing this step is a precondition to starting mediation or proceedings.

If you are a consumer, this step is optional and encouraged, not mandatory. Nothing here prevents you going straight to court or to an ADR body.

If a dispute with a business user is not resolved within the thirty-day period, both of us agree to attempt to settle it by mediation administered by the Centre for Effective Dispute Resolution (CEDR) under its Model Mediation Procedure, before issuing proceedings.

Either of us may start the mediation by written notice to the other. Unless otherwise agreed, the mediator is nominated by CEDR, the mediation takes place remotely or in London, and each of us bears our own costs and an equal share of the mediator's fees. Neither of us has to continue mediating for more than thirty (30) days after the first session before issuing proceedings, and nothing here prevents either of us seeking urgent interim relief.

Mediation is not mandatory for consumers.

Subject to sections 6 and 7, you and PolicifyAI each irrevocably agree that the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter or formation, including non-contractual disputes or claims.

6.1 Your local courts. If you are a consumer, nothing in these Terms takes away your right to bring proceedings in the courts of the country where you live, and you may only be sued by us in those courts. The exclusive-jurisdiction clause in section 5 does not restrict you.

6.2 No mandatory arbitration. We do not require UK or EU consumers to arbitrate. A term requiring a consumer to take disputes exclusively to arbitration may be unfair and unenforceable under the Consumer Rights Act 2015, and we do not attempt to impose one.

6.3 Alternative dispute resolution. If we cannot resolve your complaint directly, you may be entitled to refer it to a certified ADR provider. We are not currently a member of an ADR scheme and are not obliged to use one, but we will consider in good faith any reasonable proposal to resolve a dispute through ADR.

6.4 Complaints.Consumers in the UK can get free advice from Citizens Advice. Consumers in the EU can find their national consumer protection body through their government's consumer portal.

If you are resident in, or your business is established in, the United States, then instead of sections 4 and 5:

• You and PolicifyAI agree to resolve disputes by binding individual arbitration under our Arbitration Agreement.
• You and PolicifyAI each waive the right to a jury trial and the right to participate in a class or representative action, under our Class Action Waiver.
• You may opt out of arbitration within 30 days of first accepting the Terms, by following the procedure in the Arbitration Agreement. Opting out costs nothing and does not affect your use of the Service.

The choice of English law in section 1 continues to apply to the substance of the dispute. The Federal Arbitration Act governs the interpretation and enforcement of the agreement to arbitrate itself.

8.1 Urgent relief. Nothing in this document prevents either of us applying to any court of competent jurisdiction for an injunction or other urgent interim relief - for example to stop misuse of the Service, unauthorised access, or infringement of intellectual property. Doing so is not a waiver of any other provision.

8.2 Small claims. Either of us may bring an individual claim in a small claims court that has jurisdiction, instead of arbitrating or issuing in the High Court, provided the claim stays in that court and stays individual.

8.3 Regulators. Nothing in this document prevents you complaining to a supervisory authority, including a data protection regulator, or limits any right you have to a judicial remedy against such an authority.

If you are a business user, you must start a claim within the period set out in section 8 of our Limitation of Liability. If you are a consumer, the statutory limitation periods of your own country apply in full and are not shortened.

Formal notices to us must be sent to [email protected] and are treated as received on the next business day. Notices to you are sent to the email address on your account, so please keep it current. Either of us may also give notice by any method permitted by the applicable rules of court.

10.1 Severability. If any part of this document is held invalid or unenforceable, that part is severed and the remainder continues in force. The non-severability rule in the Class Action Waiver is an exception to this and takes precedence where it applies.