1. Agreement

By using Earnly, you agree to these Terms.

2. Service Description

Earnly provides financial insights and tax estimates based on user data.

Important: Earnly does not provide regulated financial, tax, or legal advice.

3. User Obligations

You must:

• Provide accurate information

• Maintain security of your account

• Use the service lawfully

4. Open Banking Access

You authorise Earnly to access your data via regulated providers. Consent may be revoked at any time.

5. Accuracy Disclaimer

All outputs are estimates and may not reflect actual liabilities.

6. Limitation of Liability

To the fullest extent permitted:

• Earnly is not liable for indirect or consequential loss

• Liability is capped at fees paid (if applicable)

7. Suspension & Termination

We may suspend access for:

• Breach of terms

• Fraud or misuse

8. Intellectual Property

All platform content remains Earnly property.

9. Governing Law

Governed by the laws of England and Wales.