Disclaimer & Limitation of Liability

The tools, outputs, templates, and any other content provided by policytools.dev and its creators are for informational and operational purposes only. They do not constitute legal, financial, insurance, regulatory, or professional advice.

You should always consult a qualified professional (e.g., a solicitor, compliance officer, or insurance broker) before making decisions that carry legal, regulatory, or financial risk.

All tools and services are provided "as is" and "as available", without warranty of any kind, express or implied. We do not warrant that:

• the tools will be error-free, accurate, complete, or reliable;
• defects will be corrected;
• the service will be uninterrupted, secure, or available at any particular time; or
• any outputs meet your specific requirements or comply with applicable laws in your jurisdiction.

To the fullest extent permitted by law, policytools.dev, its creators, operators, affiliates, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• loss of profits, revenue, data, or business opportunities;
• costs of substitute goods or services;
• reputational harm;
• regulatory penalties or compliance failures;
• any other loss or damage arising out of or in connection with your use of (or inability to use) the tools or their outputs.

This limitation applies regardless of the legal theory asserted — whether contract, tort (including negligence), strict liability, or otherwise — and even if we have been advised of the possibility of such damages.

You are solely responsible for:

• verifying the accuracy and completeness of any outputs before relying on them;
• ensuring your use of the tools complies with all applicable laws, regulations, and internal policies in your organisation and jurisdiction;
• maintaining appropriate backups of any data you upload or generate through the service;
• securing your account credentials and promptly notifying us of any unauthorised access.

You agree to indemnify and hold harmless policytools.dev and its creators from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the tools, your violation of these terms, or your violation of any third-party rights.

If any provision of this disclaimer is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect. This disclaimer is governed by the laws of England and Wales.