legal

Terms of Service

Last updated: 19 April 2026

These terms govern your use of Clive. By using the service, you agree to them. If you're using Clive on behalf of a company, you confirm you have authority to bind that company.

1. The service

Clive is an AI-assisted accounts receivable tool. It connects to your accounting system and email, drafts chaser emails, tracks replies and promises, and surfaces items needing your attention. A human team member (Alex) assists with setup, configuration and advice.

Clive drafts and (when you enable it) sends messages on your behalf. You remain responsible for the content sent from your accounts.

2. Accounts

• You must be at least 18 and provide accurate account information.
• Keep credentials secure. You're responsible for activity under your account.
• One account per organisation unless agreed otherwise.

3. Free trial and demo

• The "Test Clive live" demo creates one invoice in a sandbox Xero environment and sends one chaser to the email you provide. No real client data is involved.
• The free trial lasts one month from activation. No card required to start. We'll remind you before it ends.
• We may change or withdraw the free trial offer at any time for new users; existing trials will run out their term.

4. Subscription, pricing and payment

• Paid plans are billed monthly in advance via Stripe at the price shown on the site at sign-up.
• Prices exclude VAT where applicable.
• We may change prices with 30 days' notice. Changes won't affect the current billing period.
• Failed payments: we'll retry and email you. If not resolved within 14 days, we may suspend the service.

5. Cancellation and refunds

• Cancel any time from your account or by emailing hello@financeclive.com. Cancellation takes effect at the end of the current billing period.
• We don't offer pro-rata refunds for partial months except where required by law.
• If we materially breach these terms and don't fix it within 30 days of written notice, you can terminate and get a refund of any prepaid unused period.

6. Your data and content

• You own your data. Clive accesses it only to provide the service.
• You grant us a limited licence to process your data as needed to run the service, including sending it to integrated providers (Xero, Gmail, Outlook, AI providers) described in the Privacy Policy.
• On termination, you can export your data for 30 days, after which we delete it (subject to legal retention - see Privacy Policy).

7. AI-generated content

• Clive generates chaser drafts using third-party AI models. Outputs may occasionally be inaccurate or inappropriate.
• You're responsible for reviewing drafts before they are sent, and for anything sent on auto-delegate after you've enabled it.
• We train on aggregated, anonymised usage patterns only. We do not train public models on your customer data.

8. Acceptable use

You must not use Clive to:

• Send spam, harassment, threats or unlawful communications.
• Chase debts you don't have a lawful basis to chase.
• Breach UK consumer protection, debt collection or data protection law.
• Reverse-engineer, scrape, resell or white-label the service without written consent.
• Impersonate someone else or misrepresent the source of a message.

9. Service availability

We aim for high availability but don't guarantee uninterrupted service. Scheduled maintenance will be announced where possible. We're not liable for outages caused by third-party providers (Xero, Google, Microsoft, AI providers, hosting).

10. Changes to the service or terms

We may update the service and these terms. Material changes get at least 30 days' notice by email. Continued use after the effective date means you accept the new terms.

11. Warranties and liability

The service is provided "as is". To the fullest extent permitted by law, we disclaim implied warranties of merchantability and fitness for a particular purpose.

Nothing in these terms excludes liability for death or personal injury caused by negligence, fraud, or anything else that cannot be limited by English law.

Subject to that, our total liability to you in any 12-month period is capped at the amount you paid us in that period, or £100 if greater. We are not liable for indirect or consequential losses, lost profits, lost revenue, or lost data beyond what could have been avoided with a reasonable backup.

12. Indemnity

You agree to indemnify us against claims arising from your breach of these terms, your unlawful use of the service, or content you caused to be sent through Clive.

13. Termination by us

We may suspend or terminate your account for material breach, non-payment, or where required by law. Where practical we'll give notice and a chance to fix the issue.

14. Governing law and disputes

These terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that a consumer in another UK nation may bring a claim in their local courts.

15. Miscellaneous

• If any clause is unenforceable, the rest stays in force.
• We may assign these terms to a successor in a sale or reorganisation; you may not assign without our consent.
• No waiver unless in writing.
• These terms are the entire agreement between us about the service.

Clive is operated by [Company name], registered in England and Wales ([company number]). Registered office: [address].