Congruent Calculations™

General Terms of Service

These general terms and conditions govern the use of the Congruent Calculations™ platform (the “service”).  The service comprises a number of web accessed calculators, used for valuation (including valuation for redress purposes).  The service is offered, subject to your agreement to the terms and conditions and your acceptance, without modification of any of the terms and conditions including, without limitation, Congruent’s privacy policy, except as provided as follows namely : In its sole discretion, Congruent may agree, in writing signed by a Director, to provide the service with written variations to the terms and conditions and/or with written terms and conditions.

The service is provided by Congruent Actuarial Limited (“Congruent”) and the agreement for use of the service is an agreement with Congruent.  The intellectual property rights in the software comprising Congruent Calculations™ is owned by Congruent Risk Limited which has licensed use of the software to Congruent.

The service is usually required by users for their business purposes.  Except where this does not apply “you” and ”your” means the legal entity requiring the service whether that is a sole trader, partnership, limited liability partnership, company or other legal entity.  Acceptance of the terms and conditions means acceptance by the legal entity requiring the service and anyone saying, or otherwise implying or indicating, that they act on behalf of the legal entity must have the authority to do so in accordance with the governance provisions of the legal entity.

Please read this agreement carefully before accessing or using the service or continuing to use the service.  By accessing or using or continuing to use any part of the service, you agree to be bound by the terms and conditions of the agreement.  If you do not agree to all the terms and conditions of the agreement, then you should not access or use or continue to use the service.

Unless you notify Congruent before the end of the applicable subscription period that you wish to cancel a subscription, your subscription will automatically renew and you authorise Congruent to charge the then-applicable annual, quarterly or monthly fee for such subscription (depending on the frequency offered to and accepted by you).  Your subscription agreement will be a separate agreement forming part of these terms and conditions and where we charge for a service you will be required to enter into such an agreement (not all services are charged).  Congruent will give written notice (which can include by email to the email address that you have registered with Congruent for purposes of the service) of a minimum of a whole calendar month of the start of and any change in the amount payable for a subscription. The service includes access to email support which includes the ability to make requests for technical support assistance by email at any time concerning the use of the service.