Terms of Service

These terms govern your use of CaseCaddy. Please read them before creating an account. By creating an account or using the Service, you agree to these terms. If you have any questions, contact us at hello@casecaddy.app.

1. Definitions

In these terms, the following definitions apply:

2. About these terms

These terms of service form a legally binding agreement between the Subscriber and CaseCaddy Ltd (registered in England and Wales, Company No. [in progress]). They apply to all use of the CaseCaddy Service.

Where the Subscriber is a company or other legal entity, the individual accepting these terms on behalf of that entity represents that they have authority to bind that entity.

These terms are governed by the laws of England and Wales. Any disputes are subject to the exclusive jurisdiction of the courts of England and Wales.

3. What CaseCaddy provides

CaseCaddy is a document chasing and case management tool for mortgage brokers. The Service enables Subscribers to send automated reminder emails to clients, solicitors, estate agents, lenders, and other parties involved in mortgage cases, and to track outstanding documents and actions.

The Service may include optional features such as AI-assisted email drafting. Where such features are offered, additional terms set out in these terms apply (see Section 5).

CaseCaddy is not a mortgage broker, financial adviser, or FCA-authorised firm. We do not provide mortgage advice, financial advice, legal advice, or compliance advice. We are a technology platform that automates administrative communications on your behalf.

4. Automated reminder communications

Reminder emails sent through the Service are generated automatically based on the case details you provide. The wording is produced by CaseCaddy's systems (and optionally by AI, see Section 5) using information such as party type, outstanding items, and case stage.

You remain legally responsible for all communications sent via your account. By using the Service, you confirm that automated reminder communications of this nature are appropriate for use with your clients and contacts, and that you have a lawful basis to send them.

Accuracy of recipient data: Automated reminders are sent to the email addresses and contacts you enter into the Service. CaseCaddy does not independently verify recipient email addresses or cross-check contact details against external sources. If incorrect contact details are entered, reminder emails will be sent to those details as entered. It is your responsibility to ensure all contact information is accurate before and during the life of a case.

Built-in stopping conditions: The Service applies the following controls to reduce the risk of unnecessary or erroneous sending:

• –Reminders stop automatically when a case or party is marked as paused, complete, or archived
• –Reminders stop when all outstanding items for a party have been marked as received
• –Each case party follows a defined reminder chain with a fixed maximum number of reminders
• –Reminders are sent at your configured time window, not in real time

These controls are provided on a best-efforts basis. CaseCaddy does not warrant that every stopping condition will operate as intended in all circumstances, and is not liable for any reminder sent as a result of data entered incorrectly by the Subscriber or their Users.

Custom email templates can be configured in your account settings and will be used in place of automatically generated wording where set.

5. AI-assisted email drafting

Where the AI drafting feature is available and used, it is powered by a third-party AI provider (currently Anthropic). The following applies:

• –AI-generated drafts are suggestions only. CaseCaddy does not warrant that AI output is accurate, complete, appropriate, or compliant with any regulatory requirement
• –You must review and approve every AI-generated email before it is sent. You remain solely responsible for the content of all emails sent from your account
• –AI output is not legal, financial, mortgage, or compliance advice, and should not be relied upon as such
• –You should not enter special category personal data or sensitive financial information into fields used by the AI drafting feature
• –Customer data is not used by the AI provider to train its models

CaseCaddy reserves the right to modify or discontinue the AI drafting feature at any time.

6. Your responsibilities

As a Subscriber, you are responsible for:

• –Having a valid lawful basis under UK GDPR for contacting each client, solicitor, estate agent, lender, and other party you add to the Service
• –Ensuring that automated reminder communications comply with applicable law, including PECR (the Privacy and Electronic Communications Regulations) and the UK GDPR
• –Complying with FCA requirements and all other regulatory obligations applicable to your mortgage broker activities
• –Ensuring that the data you enter into the Service is accurate, up to date, and lawfully obtained
• –Keeping your account login credentials secure and not sharing them with individuals who are not authorised Users
• –Reviewing and approving AI-generated email drafts before they are sent
• –Not using the Service to contact anyone who has exercised a right to erasure or has asked not to be contacted
• –Not using the Service to send misleading, deceptive, or harassing communications

You must not use the Service to:

• –Send communications to people who have not consented or for whom you do not have a lawful basis
• –Circumvent any legal or regulatory requirement
• –Introduce malware, viruses, or any harmful code
• –Attempt to gain unauthorised access to any system, account, or data
• –Use the Service in a way that damages CaseCaddy's reputation or email deliverability
• –Resell or sublicense access to the Service

7. Your data and Client Data

Ownership

You retain full ownership of all Client Data you enter into the Service. CaseCaddy does not acquire any ownership rights in your data by virtue of you using the Service.

Processing

CaseCaddy processes Client Data on your behalf, acting as a data processor, solely to provide the Service. Our Data Processing Agreement, which forms part of these terms, sets out our obligations in detail.

Accuracy

You are solely responsible for the accuracy, completeness, and legality of Client Data entered into the Service. CaseCaddy does not verify the accuracy of data entered by Subscribers.

8. Confidentiality

Each party agrees to keep the other's confidential information confidential and not to disclose it to any third party without prior written consent, except as required by law or as necessary to provide or use the Service.

CaseCaddy will treat your Client Data and Account Data as confidential. Our staff who have access to personal data are subject to written confidentiality obligations.

9. Intellectual property

The CaseCaddy platform, including its software, design, trademarks, and all content created by CaseCaddy, remains the intellectual property of CaseCaddy Ltd. Nothing in these terms transfers any ownership of CaseCaddy's intellectual property to you.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service solely for your own internal business purposes during your active subscription.

10. Free trial and subscription

• –New accounts receive a free trial period. No payment card is required during the trial
• –At the end of the trial, you must subscribe to a paid plan to continue using the Service
• –Paid subscriptions are billed monthly in advance, in GBP, exclusive of VAT where applicable
• –Your subscription renews automatically each month until you cancel
• –You may cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period; no further amounts will be charged
• –We do not offer refunds for partially used billing periods
• –We may change pricing at any time, with at least 30 days' notice by email. Continued use of the Service after the price change takes effect constitutes acceptance of the new pricing

11. Payment failure and account suspension

If a subscription payment fails, we will notify you by email and attempt to collect payment again. If payment remains outstanding after a reasonable period, we may suspend your access to the Service.

During suspension, your data is retained but automated reminders are paused. We will restore access promptly on receipt of payment. If your account remains in arrears for an extended period, we may terminate it in accordance with Section 13 below.

12. Service availability

We aim to maintain high availability of the Service and will notify you in advance of planned maintenance where possible. However, we do not guarantee uninterrupted access and are not liable for downtime caused by circumstances outside our reasonable control, including outages at third-party infrastructure or email delivery providers.

Email deliverability: CaseCaddy uses a third-party email delivery provider to send automated reminders. We cannot guarantee that every reminder email will be delivered, opened, or acted upon by the recipient. Delivery depends on factors outside our control including recipient email servers, spam filters, and inbox behaviour. We are not liable for any consequence of an email failing to be delivered or acted upon.

13. Termination

Termination by you

You may cancel your account at any time from your account settings. On cancellation, your data is retained for 30 days to allow you to export it, after which it is permanently deleted. We recommend exporting your data before cancelling.

Termination by CaseCaddy

We may suspend or terminate your account if you breach these terms, if your account is used for unlawful purposes, or if continued provision of the Service to you becomes unlawful. We will give reasonable notice unless the breach poses an immediate risk to other users, the integrity of the Service, or requires immediate action under applicable law.

Effect of termination

On termination for any reason, your right to use the Service immediately ceases. Provisions of these terms that by their nature should survive termination — including Sections 8, 9, 14, and 16 — will continue to apply.

14. Limitation of liability

CaseCaddy is a tool to help automate administrative communications. We are not responsible for the outcomes of mortgage applications, missed completions, lost deals, or any financial loss resulting from the use or unavailability of the Service.

Subject to the mandatory carve-outs below, our total aggregate liability to you for any claim arising from or in connection with the Service — whether in contract, tort (including negligence), or otherwise — is limited to the total fees paid by you to CaseCaddy in the three months immediately preceding the event giving rise to the claim.

We are not liable for indirect, consequential, incidental, special, or punitive losses, including loss of profits, loss of revenue, loss of data, loss of business opportunity, or reputational loss, even if we have been advised of the possibility of such loss.

15. Changes to these terms

We may update these terms from time to time. We will notify you by email of any material changes at least 14 days before they take effect. The updated terms will be posted at this URL. Continued use of the Service after the effective date constitutes acceptance of the updated terms. If you do not accept the changes, you may cancel your subscription before they take effect.

16. Governing law and jurisdiction

These terms are governed by the laws of England and Wales. Any dispute arising from or in connection with these terms or the Service that cannot be resolved informally shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Contact

For any queries about these terms, please contact us at hello@casecaddy.app.
CaseCaddy Ltd
[in progress]
Company No. [in progress]
VAT No. [in progress]