Terms and Conditions

This is a general template for illustrative purposes only. It does not constitute legal advice and has not been reviewed by qualified counsel. Gavren Kovel should have this document reviewed and adapted by a solicitor before publication to ensure it reflects actual business practices and applicable law.

1. Acceptance of Terms

By accessing or using any part of the Gavren Kovel website or associated services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use the Services. Continued use of the Services after any revisions to these Terms constitutes acceptance of the updated Terms.

2. Description of Services

Gavren Kovel provides information and access to AI-directed capital allocation strategies intended for business clients. Descriptions of methodology, strategy structure, or reporting cadence found on this website are provided for general informational purposes and do not constitute a specific offer, guarantee of outcome, or binding commitment to provide services on particular terms. Any engagement with Gavren Kovel is subject to a separate agreement executed between the parties.

3. Eligibility

The Services are intended for use by businesses and business representatives acting in a professional capacity. By using the Services, you represent that you have the authority to bind the entity on whose behalf you are acting, and that your use of the Services complies with all laws and regulations applicable to you and your organisation.

4. No Financial Advice

Nothing on this website or communicated through the Services should be construed as personalised financial, investment, tax, or legal advice. All capital allocation strategies involve a degree of risk, including the possible loss of principal. Prospective and existing clients should seek independent professional advice appropriate to their own circumstances before making any decision related to the Services.

5. Client Responsibilities

Where an engagement is entered into, the client is responsible for providing accurate and current information necessary for Gavren Kovel to perform the Services, for maintaining the confidentiality of any account credentials, and for promptly notifying Gavren Kovel of any changes that may affect the arrangement between the parties.

6. Fees and Payment

Any fees applicable to the Services will be set out separately in the relevant client agreement or proposal. Unless stated otherwise, fees are non-refundable once services have commenced. Gavren Kovel reserves the right to amend its fee structure for new engagements, with reasonable notice provided to existing clients where changes affect an active arrangement.

7. Intellectual Property

All content on this website, including text, graphics, logos, and underlying methodology descriptions, is the property of Gavren Kovel or its licensors and is protected by applicable intellectual property laws. No licence is granted to reproduce, distribute, or create derivative works from this content without prior written consent, other than for personal, non-commercial reference.

8. Prohibited Conduct

You agree not to misuse the Services, including by attempting to gain unauthorised access to any systems, interfering with the proper functioning of the website, submitting false or misleading information, or using the Services for any unlawful purpose. Gavren Kovel reserves the right to suspend or terminate access for any user found to be in breach of this section.

9. Third-Party Links

The website may contain links to third-party websites or resources. Gavren Kovel does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites. Access to such links is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Gavren Kovel shall not be liable for any indirect, incidental, special, or consequential losses, including loss of profits, revenue, or data, arising from or in connection with the use of the Services or reliance on any information presented on this website. Nothing in these Terms limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence.

11. Indemnification

You agree to indemnify and hold Gavren Kovel, its directors, employees, and agents harmless from any claims, damages, liabilities, and expenses arising from your breach of these Terms or your misuse of the Services.

12. Termination

Gavren Kovel may suspend or terminate access to the Services at its discretion, including where a user breaches these Terms. Provisions of these Terms that by their nature should survive termination, including intellectual property, indemnification, and limitation of liability provisions, shall continue to apply.

13. Changes to These Terms

Gavren Kovel may revise these Terms from time to time. Updated versions will be posted on this page. Material changes will, where practicable, be highlighted to existing clients. Continued use of the Services following any changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable mandatory law.

15. Severability

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

16. Contact

Questions regarding these Terms should be directed through the contact channels provided on the Gavren Kovel website.