Terms and Conditions

1. Overview of Services

Birch Kapitvale provides AI-driven data analysis and decision-support tools intended to help retirees and individuals assess and understand drawdown risk in their retirement planning. Our services are informational and analytical in nature and do not constitute financial, legal, tax, or investment advice.

Nothing on this website, in any report, output, or communication from Birch Kapitvale should be construed as a recommendation to buy, sell, or hold any particular investment or to take any specific financial action. You should consult a qualified, independent financial adviser before making decisions about your retirement savings or investments.

2. Eligibility and Account Use

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use our services. By using Birch Kapitvale, you represent that the information you provide is accurate and that you are using the service for your own personal, non-commercial purposes unless otherwise agreed in writing.

If you register for an account or submit a request through our forms, you are responsible for maintaining the confidentiality of any credentials and for all activity that occurs under your submission.

3. No Investment Advice or Guarantee

All analysis, projections, stress-tests, and outputs generated by Birch Kapitvale are based on models, assumptions, and data inputs that may not reflect actual future market conditions. Past performance, modelled scenarios, and simulated outcomes are not reliable indicators of future results.

Investments can fall as well as rise in value, and you may get back less than you originally invested. Birch Kapitvale makes no representation or warranty, express or implied, as to the accuracy, completeness, or reliability of any analysis provided, and accepts no liability for decisions made on the basis of our outputs.

4. Intellectual Property

All content on this website, including text, graphics, logos, methodology descriptions, and software, is the property of Birch Kapitvale or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of this site without prior written consent.

5. Acceptable Use

You agree not to misuse the website or services, including by attempting to gain unauthorised access to our systems, interfering with normal operation, submitting false or misleading information, or using the service for any unlawful purpose. We reserve the right to suspend or terminate access for any user who violates these terms.

6. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Birch Kapitvale. We are not responsible for the content, privacy practices, or terms of any third-party sites, and inclusion of a link does not imply endorsement.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Birch Kapitvale shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial outcome arising from your use of, or inability to use, our website or services.

Our total liability for any claim arising out of or relating to these terms or the services shall not exceed the amount, if any, you have paid to Birch Kapitvale for the relevant service in the preceding twelve months.

8. Changes to Services and Terms

We may update, modify, or discontinue any aspect of our services at any time without prior notice. We also reserve the right to amend these Terms and Conditions periodically. Continued use of the website following any changes constitutes acceptance of the revised terms. We recommend reviewing this page from time to time.

9. Termination

We may suspend or terminate your access to the website or services at our discretion, including where we believe these terms have been violated, without liability to you for any resulting loss.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Birch Kapitvale operates, without regard to conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

11. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

12. Contact

Questions regarding these Terms and Conditions should be directed through the contact channels provided elsewhere on this website.