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USER AGREEMENT

  1. Thames AI
  2. User Agreement

We appreciate your visit to our platform (the “Platform”), where you accessed the link to this User Agreement (the “Agreement”), as well as our Data Protection Notice (the “Data Protection Notice”). This Platform is operated and managed by Thames AI, including any parent companies, subsidiaries, or related entities collectively referred to as Thames AI. The Platform is owned by us (“we,” “our,” or “us”), and you may contact us at any time via email at:

By accessing the Platform or using any of our products and/or services (“Provider Solutions,” together with Subscription Solutions referred to as the “Solutions”), you agree to comply with this Agreement and our Data Protection Notice. This Agreement also incorporates operational procedures, policies, guidelines, and any supplemental terms. We reserve the right to revise the Agreement at our discretion and without prior notice. It is your responsibility to review this page periodically for updates, which become effective once published. Continued use of the Platform constitutes acceptance of the Agreement.

Please carefully review the full terms of this User Agreement. If you disagree with any portion of it, you are not permitted to use the Solutions or access the Platform. We retain the right to restrict or deny access to the Solutions and/or Platform at our sole discretion.

NO FINANCIAL ADVICE

Unless explicitly stated otherwise, this Platform is not intended to provide personalised financial or investment advice. The information displayed does not take into account your personal financial objectives, circumstances, or investment needs.

You should assess whether the information presented on this Platform aligns with your investment goals, financial situation, and personal requirements before making any investment decisions. You may perform this assessment independently or seek support from a licensed, independent financial adviser.

Unless expressly indicated, nothing on this Platform constitutes a recommendation to invest in any financial products or services offered by any member of the IG group of companies.

OFFERS AND SOLUTIONS

Not every offer or solution referenced on this Platform is necessarily provided by us. The presence or identification of third-party solutions, services, platforms, or networks does not imply endorsement. The Platform may provide access to third-party platforms or networks through hyperlinks or similar mechanisms.

We assume no responsibility or liability for content hosted on platforms or networks outside our direct control. You acknowledge that accessing external platforms through such links may require us to share certain personal details with the respective platform operators. Nothing on this Platform should be construed as financial or investment advice supplied by Thames AI.

SCOPE AND CHANGES

You agree to the terms described herein regarding your use of our Platform. This Agreement represents the entire understanding between you and Thames AI, replacing all prior agreements, representations, warranties, or understandings relating to the Platform.

Please note that this Agreement may be updated periodically. Should revisions occur, we may inform you about how these changes affect your use of the Platform. A notice of modification may also be posted. Continuing to use the Platform and/or our Solutions confirms your acceptance of the revised terms in effect at that time. It remains your responsibility to monitor this page for updates or amendments.

ELIGIBILITY

The Platform and our Solutions are intended only for individuals legally able to enter binding contracts under applicable law. They are not designed for use by anyone under eighteen (18) years of age. If you are under eighteen, you are not permitted to use or access the Platform or the Solutions.

DESCRIPTION OF SOLUTIONS

Subscription Solutions: Once you register on the Platform and receive approval from us, you may obtain — or attempt to obtain — paid or free Subscription Solutions. These solutions may include email content, written material, and other resources (“Subscription Content”) provided by us and third-party partners (“Third-Party Providers”). This content does not constitute financial advice. You acknowledge and accept that we are not responsible for the accuracy, completeness, or suitability of the Subscription Content.

Provider and Third-Party Solutions: By completing a registration form, you may obtain — or attempt to obtain — certain products and/or services offered on the Platform. Product and service descriptions may be supplied directly by Third-Party Providers. We do not guarantee the accuracy or completeness of such descriptions. You agree that we are not liable for your inability to obtain products/services from the Platform nor for any disputes with vendors, distributors, or third-party providers associated with the Platform.

General: To access the Solutions, you must provide accurate registration data. We reserve the right to reject incomplete, fraudulent, or otherwise invalid registrations. Unless otherwise stated, any future features that enhance the Platform will also fall under this Agreement. You agree that we are not responsible for your inability to qualify for or use the Solutions, nor for any suspensions, modifications, or interruptions.

INTELLECTUAL PROPERTY RIGHTS

The Platform, its content, and the Solutions — including design, structure, graphics, software, compilation and other components — are protected under applicable copyright, trademark, and intellectual property laws. Reproduction, redistribution, or sale of any part of the Platform, content, or Solutions is strictly prohibited. Automated scraping or retrieval of material without written permission is forbidden. You do not obtain ownership rights over any materials on the Platform. Our name, logo, icons, and service names are trademarks, and unauthorised use of any trademark is prohibited.

PROPRIETARY INFORMATION

Proprietary information refers to confidential materials specifically identified as such and excludes information publicly available, previously known, independently developed, or lawfully received from a third party without disclosure restrictions. The obligation to safeguard proprietary information continues for one (1) year following termination.

HYPERLINKING, CO-BRANDING, FRAMING OR REFERENCING THE PLATFORM PROHIBITED

You may not hyperlink the Platform — or any part of it — to another website without our explicit approval. “Framing” the Platform or referencing its Uniform Resource Locator (“URL”) without written permission is strictly forbidden. You agree to cooperate with us in removing any unauthorised linking, framing, or related activity, and you accept responsibility for any resulting damages.

MODIFICATION, REMOVAL AND UPDATES

We reserve the right to modify or remove any document, content, or information available on the Platform without prior notice.

DISCLAIMER

THE PLATFORM, THE SOLUTIONS, THE CONTENT, AND ANY THIRD-PARTY PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. WE DO NOT GUARANTEE THAT THE PLATFORM, THE SOLUTIONS, THE CONTENT AND/OR THIRD-PARTY PRODUCTS WILL MEET YOUR EXPECTATIONS, OR THAT THEY WILL OPERATE WITHOUT INTERRUPTION, DELAYS, SECURITY ISSUES, OR ERRORS. YOU ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR ANY CLAIMS ARISING FROM YOUR INABILITY TO USE THE PLATFORM, THE SOLUTIONS, THE CONTENT AND/OR THIRD-PARTY PRODUCTS. THE PLATFORM MAY CONTAIN DEFECTS, ERRORS, OR LIMITATIONS, AND WE ARE NOT RESPONSIBLE FOR THE AVAILABILITY OR STABILITY OF YOUR INTERNET CONNECTION.

LIMITATION OF LIABILITY

WE ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REPUTATION, LOSS OF DATA, OR ANY OTHER INTANGIBLE LOSSES. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, INCLUDING BREACH OF CONTRACT, WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION, OR ANY OTHER TORT. YOU AGREE TO RELEASE US AND OUR THIRD-PARTY PROVIDERS FROM ANY LIABILITIES, CLAIMS, OR DAMAGES BEYOND THE LIMIT SET OUT HEREIN. WHERE APPLICABLE LAW DOES NOT ALLOW SUCH LIMITATIONS, OUR TOTAL LIABILITY SHALL NOT EXCEED FIVE HUNDRED DOLLARS ($500.00) UNDER ANY CIRCUMSTANCE.

INDEMNIFICATION

You agree to indemnify and hold harmless us, our partners, subsidiaries, affiliates, and their respective members, officers, directors, employees, agents, and representatives from any claim, loss, damage, cost, demand, or legal action brought by any third party resulting from your use of the Platform, Solutions, or Content; your breach of this Agreement; and/or your infringement of another individual’s or entity’s rights.

THIRD-PARTY PLATFORMS

The Platform may include links to other websites or online resources operated by Third-Party Providers. We are not responsible for the availability of such external platforms or resources, nor for their content, and we do not endorse or assume liability for their policies, terms, products, services, advertisements, or materials.

DATA PROTECTION NOTICE / VISITOR INFORMATION

Your use of the Platform — along with any comments, feedback, information, Registration Data, or materials submitted — is governed by our Data Protection Notice. We reserve the right to use information relating to your interaction with the Platform, as well as any personally identifiable data, in accordance with our Data Protection Notice and applicable data-protection laws.

LEGAL WARNING

Any attempt to damage, disrupt, tamper with, vandalise, or otherwise interfere with the functionality of the Platform constitutes a violation of criminal and civil law. We will pursue all available remedies against any offending individual or entity to the fullest extent permitted by law.

GOVERNING LAW AND JURISDICTION

This Agreement is governed by, and interpreted in accordance with, the laws of the United Kingdom. The Parties will first attempt in good faith to resolve any dispute or claim arising from or relating to this User Agreement amicably. If no agreement is reached, the dispute shall be referred exclusively to confidential arbitration before a single arbitrator in London under ICC rules. The arbitrator’s decision will be final and binding. No party may bring a claim before their local court or any other jurisdiction.

DATA PROTECTION ADDENDUM

This Data Protection Addendum forms part of our User Agreement. Terms used herein carry the meanings assigned within this Addendum. Except as amended in this section, the Agreement remains fully valid and enforceable.

  1. Definitions
    1. Applicable Laws: EU or Member State laws relating to Personal Data governed by EU Data Protection Law, and any other relevant legal requirements for Personal Data covered by other Data Protection Laws.
    2. Controller: The entity that determines the purposes and methods of processing Personal Data.
    3. Data Protection Laws: EU Data Protection Law and any privacy or data-protection legislation of other jurisdictions.
    4. EU Data Protection Law: Directive 95/46/EC, the GDPR, and related legislation.
    5. GDPR: EU General Data Protection Regulation 2016/679.
  2. Collection and Processing of Personal Data
    1. We agree to comply with all applicable Data Protection Laws when Processing Personal Data.
      1. We represent and warrant that we have all required permissions and consents from data subjects to lawfully collect, process, and share Personal Data in connection with the Solutions and in line with Applicable Laws.
      2. We will maintain mechanisms for collecting and withdrawing consent in accordance with Applicable Laws, and we will maintain a publicly accessible privacy policy.
      3. We acknowledge that we do not provide Solutions to individuals under eighteen (18) years of age.
  3. Security
    1. We will implement appropriate technical and organisational measures to protect Personal Data, in compliance with Article 32(1) of the GDPR.
  4. Sub-processing
    1. You authorise us to appoint Sub-processors, and we guarantee that written agreements with any Sub-processor will offer an equivalent level of protection for Personal Data as set forth in this Addendum and required by the GDPR.
  5. Data Subject Rights
    1. We will provide assistance in responding to Data Subject requests under the applicable Data Protection Laws, taking into account the nature of the Processing.
  6. Personal Data Breach
    1. We will promptly notify affected Data Subjects upon becoming aware of a Personal Data Breach, and we will assist in investigating, mitigating, and resolving the incident.
  7. General Terms
    1. Any dispute or claim arising from this Agreement is subject to the jurisdiction specified herein. If any provision is deemed invalid, the remaining terms will continue in effect.
  8. Amendments
    1. Amendments to this Agreement may be introduced at any time at our sole discretion.

By accepting this User Agreement, you confirm that you have read, understood, and agree to be bound by all of the terms outlined above. Your continued use of the Platform and Solutions constitutes acceptance of these terms. For any questions or concerns, please contact us at

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