Terms of Use

1. About these terms

These terms of use (the Terms) govern your access to and use of the SMEInspect website and services (the Service). The Service is operated by ClarityIntel Pty Ltd, an Australian company (ABN 54 697 254 596), trading as SMEInspect (we, us, our).

We are an Australian company selling cross-border into the United Kingdom. We do not currently have a UK-established entity; the Service is provided to UK users from Australia, and your data is processed in Australia and the United States as described in our Privacy Policy.

By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service. Where you buy a paid product, you also accept the no-reliance acknowledgement presented at checkout, which forms part of these Terms.

2. Definitions

• Service — the SMEInspect website, automated inspection engine, and related products and outputs.
• Report — the automated, computer-generated risk report produced for a target business.
• SMEInspect Estimate (the Estimate) — an indicative value *range* generated to help you sense-check an asking price. It is not a valuation.
• Full Report — the one-off paid Report tier.
• Compare & Monitor — the recurring, auto-renewing subscription that re-runs inspections and alerts you to change.
• Consumer — an individual acting wholly or mainly outside their trade, business, craft or profession, within the meaning of the Consumer Rights Act 2015.
• target business — the business you are evaluating using the Service.

3. Eligibility and acceptance

You must be at least 18 years old to use the Service. By using the Service you confirm that you are 18 or over and that, where you act for an organisation, you have authority to bind that organisation to these Terms.

Acceptance is recorded and version-pinned at checkout: paid orders record the version of these Terms you accepted, the date, and the acknowledgements you gave.

4. Nature of the service

SMEInspect provides general information and an automated, computer-generated screen based only on the documents and data you supply, together with public-record data about the target business. Outputs include a Report and the SMEInspect Estimate.

The Service is not a professional or registered valuation and does not constitute financial, investment, accounting, tax or legal advice. The Estimate is an indicative range only; it does not confirm a price and must not be the sole or primary basis of any transaction.

The Service reflects only the documents and data you supply plus public-record data. It cannot detect what a seller withholds, omits or misstates. SMEInspect is independent of buyer, seller and broker, and we do not audit, verify or warrant the accuracy or completeness of information provided by you or any third party.

5. Automated processing and AI

Outputs are generated by automated means, including AI/LLM models run by a sub-processor on the documents and data you provide. Automated and AI-generated outputs can be wrong, incomplete or out of date, and benchmarks, multiples and inferences may not apply to your circumstances.

We do not make any solely-automated decision producing legal or similarly significant effects about you. The outputs are decision-support for you; any decision about a purchase remains yours. Further detail on the automated engine and sub-processors is in our Privacy Policy.

6. Your information and documents

You are responsible for the accuracy and completeness of the information and documents you upload or provide. The Service reflects only what it is given.

You warrant that you have the right to provide the materials you submit and that doing so does not breach any confidentiality obligation, contract or law. You must not upload personal data about other individuals unless you are authorised to do so and have provided any notices they are due. We will not disclose your uploaded documents to the seller, broker or other parties to the transaction you are evaluating.

7. No reliance

You acknowledge and agree that:

• outputs are an automated screen for your own due-diligence purposes, not a substitute for independent professional advice;
• you will conduct your own due diligence and obtain independent professional advice (accounting, legal and, where appropriate, a registered valuation) before entering into any agreement to purchase a business;
• the Estimate does not confirm a price and must not be relied on as the sole or primary basis of any transaction or investment decision.

8. Fees, payment and subscriptions

Prices for the Full Report and the Compare & Monitor subscription are shown at checkout, inclusive of UK VAT where applicable. Payment is taken by our payment provider; we do not store full card details.

Compare & Monitor is an auto-renewing subscription. In line with the Digital Markets, Competition and Consumers Act 2024, before you subscribe we tell you clearly that the subscription renews automatically, the renewal price and billing frequency, and how to cancel. We will send a renewal reminder before each renewal where required.

How to cancel: you can cancel Compare & Monitor at any time from your account dashboard, or by emailing support@clarityintel.ai. Cancellation stops future renewals; it takes effect at the end of the current paid period unless a statutory cancellation right under clause 9 applies. We do not impose cancellation charges or obstacles to exit.

9. Cancellation and refunds

This clause applies to Consumers in the United Kingdom and reflects the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

As a distance contract, you normally have a 14-day cancellation right during which you may cancel for any reason and receive a refund. Because the Service is a digital service we begin to perform on demand, this right is handled as follows:

• At checkout you may expressly consent to immediate performance of the Service and acknowledge that you will lose your 14-day right to cancel once the Service has been fully performed. This consent is captured by a clearly labelled, unticked checkbox at the SMEInspect checkout, separate from acceptance of these Terms; we record the wording, your selection and the timestamp.
• If you give that consent and we fully perform (we generate and deliver your Report or Estimate) within the 14-day period, you lose the right to cancel for that service.
• If you do not give that consent, performance does not begin until the 14-day period ends or you ask us to start; if you ask us to start within the period, you may still cancel but may owe a proportionate amount for what was supplied before cancellation.
• For the Compare & Monitor subscription, the same consent options apply at sign-up; where you have not lost the right, you may cancel within 14 days, with any amount payable assessed proportionately to the part of the period already supplied.

Nothing in this clause affects your separate statutory remedies under the Consumer Rights Act 2015 (clause 15), for example where a digital service is not provided with reasonable care and skill.

10. Acceptable use

You must not misuse the Service. In particular, you must not:

• use the Service unlawfully, or to infringe the rights of others;
• upload material you are not authorised to provide, or that is unlawful, infringing or malicious;
• attempt to access, probe, scrape, reverse-engineer or disrupt the Service or its underlying systems;
• resell, redistribute or commercially exploit the Service or outputs except as permitted under clause 11.

11. Intellectual property

We (and our licensors) own all intellectual property rights in the Service, the inspection engine, and the form and content of the Reports and Estimates, excluding your inputs.

On full payment, we grant you a non-exclusive, non-transferable licence to use your Report and Estimate for your own internal due-diligence purposes in evaluating the relevant target business.

You retain ownership of the documents and data you submit. You grant us a non-exclusive licence to host, process and analyse your inputs (including via our AI sub-processor) solely to provide the Service to you. We do not use your inputs to train AI models.

12. Third-party data and sources

The Service retrieves and incorporates public-record data about the target business and its officers (for example, from public registers). We do not control and do not warrant the accuracy, completeness or currency of third-party or public-registry data, and such data may be wrong or out of date.

Our handling of personal data drawn from public registers is described in our Privacy Policy.

13. Disclaimers

To the maximum extent permitted by applicable law, the Service and all outputs are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied or statutory, including warranties of accuracy, completeness, fitness for a particular purpose or non-infringement.

We do not guarantee that the Service will be uninterrupted, error-free or free from harmful components. Benchmarks, multiples and automated inferences may be wrong, incomplete or out of date. This clause does not affect the statutory rights of Consumers under clause 15.

14. Limitation of liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage — including indirect, consequential or economic loss, loss of profit or opportunity, and any loss arising from a business purchase, sale or investment decision — arising from or in connection with your use of, or reliance on, the Service or any output.

Where our liability cannot be excluded but can be limited, our total liability to you for all claims arising from or in connection with these Terms or the Service — whether in contract, tort (including negligence), under statute or otherwise — is limited, in aggregate, to the total fees you paid to us for the Service in the twelve (12) months before the event giving rise to the claim.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law — including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or under the Consumer Rights Act 2015 and other mandatory UK Consumer protections described in clause 15.

15. Consumer rights

If you are a Consumer in the United Kingdom, you have statutory rights that these Terms do not affect. Under the Consumer Rights Act 2015, digital services must be provided with reasonable care and skill, and digital content must be as described, of satisfactory quality and fit for purpose; where they are not, you may be entitled to a repeat performance, price reduction or other remedy.

Your cancellation rights under the Consumer Contracts Regulations 2013 are set out in clause 9, and your subscription protections under the Digital Markets, Competition and Consumers Act 2024 in clause 8. UK Consumers retain all mandatory UK consumer protections and the right to bring proceedings in the UK courts, regardless of the governing-law choice in clause 17.

16. Changes

We may update these Terms from time to time. Material changes will be notified by posting an updated version on this page with a revised version label and effective date. Continued use after changes take effect constitutes acceptance of the updated Terms. Paid orders record the version you accepted at checkout.

17. Governing law and jurisdiction

These Terms and any dispute arising out of or in connection with them are governed by the laws of England and Wales, and you and we submit to the courts of England and Wales.

If you are a Consumer, this clause does not deprive you of the protection of mandatory provisions of the law that would otherwise apply, and you may bring proceedings in the UK courts. Where you are resident in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

18. Contact

Questions about these Terms: legal@clarityintel.ai · support@clarityintel.ai.

Postal: PO Box 4127, Balgowlah Heights NSW 2093, Australia. You contract with ClarityIntel Pty Ltd, an Australian company. Where a UK data-protection representative is appointed, their details are set out in our Privacy Policy.