By using Cuverly, you agree that:

• All materials are for personal reference, learning, and private use only
• Documents must not be used for public deception, fraud, misrepresentation, or illegal activity
• Users are responsible for verifying, editing, and validating all generated content before any real-world use

Cuverly is not intended to replace professional consultation or official documentation services.

You agree not to use our services to:

• Mislead individuals, companies, or institutions
• Submit documents as official or legally binding when they are not
• Commit fraud, impersonation, or identity misuse
• Violate any local, national, or international laws

Any misuse may result in account termination and legal action where applicable.

You acknowledge and agree that:

• All generated content is reviewed and used at your own discretion
• You are solely responsible for how documents are applied or shared
• Cuverly does not guarantee accuracy, legality, or acceptance of any generated material

It is your responsibility to ensure compliance with all applicable laws and regulations.

Cuverly is not authorised or regulated by the Financial Conduct Authority (FCA) and does not claim to be. At no point have we represented ourselves as an FCA-authorised, FCA-regulated, or licensed insurance provider.

We are committed to being transparent about the nature of our services and the documents we provide. All users are responsible for understanding the purpose and limitations of any document generated, purchased, or downloaded through our platform.

Documents provided by Cuverly must not be used to mislead, deceive, or misrepresent information to any government body, regulatory authority, law enforcement agency, insurer, financial institution, court, tribunal, employer, or any other third party. Our documents are not intended to serve as official insurance policies, legal evidence, regulated financial products, or proof of insurance unless explicitly stated otherwise.

By using our services, purchasing documents, and accepting our Terms and Conditions, you acknowledge and agree that:

• Cuverly is not FCA authorised or regulated.
• Cuverly does not provide regulated insurance products or financial services.
• You will not use any Cuverly document for fraudulent, misleading, unlawful, or deceptive purposes.
• You accept full responsibility for how any document obtained from Cuverly is used.
• Cuverly shall not be liable for any losses, claims, penalties, legal proceedings, regulatory action, or damages arising from the misuse of our documents or services.

If you require FCA-regulated insurance products, legal documents, or official proof of insurance, you should obtain these directly from a suitably authorised and regulated provider.

Cuverly is not liable for:

• Any direct or indirect damages
• Financial loss
• Legal consequences
• Rejection of documents
• Personal, professional, or reputational harm

arising from the use or misuse of our services.

All services are provided "as is" and "as available."

Before purchasing, users are required to review and agree to our Terms and Conditions by selecting the appropriate consent boxes.

By completing a purchase, you confirm that:

• You have had sufficient time to read these terms
• You understand the nature of our services
• You accept full responsibility for your use
• You agree to be bound by this policy

Failure to read the terms does not exempt you from compliance.

Due to the digital and automated nature of our services:

• All purchases are final unless otherwise stated
• Refunds are issued at Cuverly's discretion
• Misuse does not qualify for refunds

Cuverly reserves the right to update these Terms at any time.

Continued use of the platform constitutes acceptance of any changes.

For questions regarding our policies or services, please contact our support team through the official Cuverly platform or via email at info@cuverly.io.