Terms of Service: EsignKit & Tradear Ecosystem

1. Subscription Model & Service Credits

The Service operates on a tiered model comprising a Basic (Free) tier and recurring paid subscription tiers (Regular or Pro).

• 1.1 Free Registration Grant & Validity: Users registering for a free Basic account receive a one-time promotional grant of 10 free document credits upon registration. Basic tier credits do not expire on a monthly basis and do not refill automatically each month. They remain available for use while the account is active. Once consumed, upgrading to a paid subscription tier or purchasing credit packs is required to continue sending documents.
• 1.2 Paid Subscription Allocation: For paid subscriptions (Regular or Pro), your monthly or annual credit allowance is granted at the start of each billing cycle.
• 1.3 Reset Policy: Monthly subscription credits for paid tiers (Regular and Pro) do not roll over. At the start of a new monthly billing cycle, your credit balance resets to your tier’s maximum allowance. Basic tier accounts do not receive monthly credit refreshes.
• 1.4 Payment Failure & Downgrade: If a subscription payment fails or is cancelled, your account will automatically revert to the "Basic" (Free) tier. Access to premium features and automated monthly credit refills will be suspended until a valid subscription is restored.
• 1.5 Cancellation: You may cancel at any time. You will retain access to your current tier's features and credits until the end of your paid billing period, after which the account reverts to the Basic tier without recurring monthly credit allocations.
• 1.6 Account Inactivity & Stale Credit Policy: Promotional and free Basic tier credits are granted for active evaluation and usage. Global Digital Enterprise Limited reserves the right to expire unused Basic tier credits or archive accounts that exhibit no login, document generation, or e-signature activity for a continuous period of twelve (12) consecutive months.

2. Beta Features & "Mini-ERP" Modules

As part of the Tradear ecosystem, we provide "Beta" access to tools including Invoicing, Quotes, and Workflow management.

• 2.1 "As-Is" Status: Beta features are for testing and preview purposes. They are provided "AS-IS" without any warranty.
• 2.2 Beta Liability: We accept no liability for financial loss or data errors resulting from Beta features. Users must manually verify all business-critical calculations (e.g., VAT/Tax).
• 2.3 Future Tiers: Access to Beta features is currently a complimentary benefit for paid EsignKit subscribers. We reserve the right to move these features to a separate paid tier in the future with 30 days' notice.
• 2.4 User Warranty of Accuracy: By clicking "Approve," "Save," or "Send" on any AI-assisted document or ingested expense, you warrant that you have performed a manual review and that the data is accurate. You acknowledge that AI may produce "hallucinations" (factually incorrect data) and you accept sole responsibility for any financial or legal consequences resulting from uncorrected AI errors.

3. Document Retention & Data Responsibility

• 3.1 Active Subscribers: We will retain all completed documents for as long as you maintain an active "Regular" or "Pro" subscription.
• 3.2 Basic & Inactive Accounts: For accounts on the "Basic" tier or those with expired subscriptions, we will retain completed documents for a period of 12 months from the date of the last transaction or subscription expiration. After this 12-month period, documents may be permanently deleted.
• 3.3 User Responsibility: EsignKit is a transaction platform, not a permanent archive. You are responsible for downloading and backing up your documents for your own long-term records.

4. Usage Restrictions

• 4.1 File Limits: Maximum upload size is 10 MB. Supported formats: PDF, DOC, DOCX.
• 4.2 Security: Any attempt to scrape the platform, upload malware, or use unauthorized bots will result in immediate termination without refund.

5. Limitation of Liability

• 5.1 Financial Cap: Our total liability for any claim is limited to the total amount paid by you in the 12 months preceding the claim.
• 5.2 Indirect Loss: We are not liable for loss of profits, loss of business opportunity, or damages resulting from delayed signatures or service interruptions.

6. No Legal or Tax Advice

• 6.1 Technology Only: EsignKit provides digital tools. We do not provide legal or tax advice.
• 6.2 Digital Tax Compliance: These tools are currently in "Beta" and do not constitute HMRC-recognised or MTD-compatible software. While designed to assist users with regulatory record-keeping, the Service cannot guarantee compliance. Users remain solely responsible for ensuring their business complies with Making Tax Digital (MTD) and all relevant Tax Authority requirements.

7. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom.

8. Tradear Pro AI Virtual Receptionist Service

Subscribers to the Tradear Pro tier receive access to the inbound AI Virtual Receptionist service, subject to the following terms and operational limits:

• 8.1 Monthly Usage Limits & Hard Minutes Ceiling: Tradear Pro includes a monthly allowance of up to 100 inbound calls or a strict maximum cap of 300 connected minutes per billing cycle. Because third-party telephony and language model costs are directly proportional to duration, 300 minutes per month serves as a hard cost ceiling. Once 300 connected minutes are consumed within a single billing cycle, the system will reject further incoming calls until the next billing refresh, even if the total call count is under 100. Conversely, 100 calls operates as a soft allowance: if a subscriber exceeds 100 calls while unused minutes remain within the 300-minute allocation, additional calls are accepted without penalty.
• 8.2 Maximum Single-Call Duration: Each individual call is subject to a hard 5-minute automated cutoff to preserve telecommunications and computational resources. The AI assistant is system-prompted to naturally conclude inquiries within 3 minutes under standard operating procedures. In the event that a subscriber's monthly minutes expire while a call is in progress, the active call will be permitted to conclude gracefully up to its individual 5-minute limit rather than being abruptly disconnected.
• 8.3 Digital Pager & Emergency Disclaimer: The AI Virtual Receptionist operates strictly on an asynchronous "digital pager" notification model. The service does not support live call transfers, nor does it connect callers directly to 999, 112, or local emergency services. In any situation involving imminent risk to life, physical health, fire, or acute structural or gas hazards, callers must contact emergency services directly.
• 8.4 Audio Streaming, Real-Time Transcription & Privacy: Inbound calls handled by the virtual receptionist are processed exclusively via real-time digital audio streaming for speech-to-text (STT) transcription and language model analysis. The Service does not record, retain, or store persistent audio (MP3) files of phone conversations. Once a call disconnects, audio packets are discarded immediately, and only the generated written transcript, customer information, and structured job summaries are retained in the subscriber's workspace to assist with lead logging and quote drafting.