Terms of Service

Acceptance of Terms

Rulio is a trading name of Patrick Thomas and Partners Limited. Patrick Thomas and Partners Limited is registered in England and Wales, with its registered office at 22 Snaresbrook Drive, Stanmore, England, HA7 4QW.

These terms apply when you visit rulio.io, join the waitlist, or otherwise interact with Rulio. If you do not agree, please do not use the service.

Eligibility

You must be at least 18 years old and able to form a binding contract to use the service.

Waitlist and Early Access

Joining the waitlist does not guarantee access to the product. Early access may be offered at our discretion and may change or be withdrawn at any time.

Your Account

You are responsible for the information you provide and for any activity associated with it. Notify us promptly of any unauthorized use.

We may ask you to verify your identity before you can use certain features, including through a third-party identity verification provider. Access to those features may be limited or delayed until verification is complete.

Acceptable Use

You agree not to misuse the service.

• Do not use the service for any unlawful purpose.
• Do not attempt to interfere with or compromise its security or integrity.
• Do not reverse engineer or copy any part of the service except as permitted by law.

Intellectual Property

The service and all related content, trademarks, and logos are owned by Patrick Thomas and Partners Limited or its licensors and are protected by intellectual property laws.

You keep ownership of the information and content you submit to the service, such as messages, form answers, and rule or trust details. You grant us a license to use, host, process, and display that content solely to provide and improve the service for you.

Third-Party Links and Services

The service may contain links to third-party sites or services that we do not control. We are not responsible for their content or practices.

Disclaimers

The service is provided as is and as available without warranties of any kind, whether express or implied. Rulio is not a bank and does not provide financial, investment, legal, or tax advice.

Any rule structure, document, or other content generated with the help of AI is provided for informational purposes and is not legal, financial, or tax advice; you are responsible for reviewing it, including with a licensed professional, before relying on it.

Regulatory Status and Your Money

Patrick Thomas and Partners Limited does not hold, move, or have access to your money. Rulio does not provide banking, payment, card, or deposit services, and nothing on this site is deposit insurance. If we offer any money-movement features in the future, they will be provided together with a regulated financial partner, and we will update these terms before that happens.

Fees, Cancellation and Refunds

Rulio is free to join during the waitlist and early-access period, and we do not collect payment details at this stage. If we introduce paid plans, we will show the price, billing frequency, and cancellation terms before you are charged, and this section will be updated accordingly.

You can close your account at any time by contacting us; doing so does not affect any obligation you already agreed to before closing it.

Limitation of Liability

To the maximum extent permitted by law, Patrick Thomas and Partners Limited will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the service.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or your statutory rights as a consumer.

Indemnification

You agree to indemnify and hold Patrick Thomas and Partners Limited harmless from claims arising out of your misuse of the service or violation of these terms.

Termination

We may suspend or terminate your access to the service at any time, with or without notice, for any reason, including violation of these terms.

Governing Law

These terms are governed by the laws of England and Wales, without regard to conflict-of-laws principles. Any disputes will be resolved in the courts of England and Wales.

Changes to These Terms

We may revise these terms from time to time. The updated version will be posted here with a new last updated date. Continued use of the service constitutes acceptance of the revised terms.

Contact Us

Questions about these terms? Contact us at legal@rulio.io or write to 22 Snaresbrook Drive, Stanmore, England, HA7 4QW.

• legal@rulio.io