Terms of Service

1 About These Terms

These Terms of Service ("Terms") form a legally binding agreement between you ("you", "your", the "User") and PerkIQ Ltd, company number 17102662, registered in England and Wales ("PerkIQ", "we", "us", "our").

By registering for or using the PerkIQ platform at www.perkiq.co.uk ("Platform"), you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference.

If you are accepting these Terms on behalf of a company or other legal entity, you confirm that you have authority to bind that entity.

These Terms are governed by the laws of England and Wales.

2 Eligibility

To use the Platform you must:

• Be aged 18 or over
• Be using the Platform for business purposes, not as a consumer
• Have authority to bind your employer or client organisation where you are registering on their behalf

The Platform is intended for use by UK-based employers. Use from outside the United Kingdom is permitted but PerkIQ makes no representation that the Platform is appropriate or compliant with the laws of any other jurisdiction.

3 Account Registration

You must provide accurate and complete information when registering. You are responsible for:

• Keeping your login credentials confidential
• All activity that occurs under your account
• Notifying us immediately of any unauthorised access at info@perkiq.co.uk

You may not share your account credentials with third parties or register multiple accounts for the same individual. Each account is for a single legal entity. We may suspend or terminate accounts that we reasonably believe have been created fraudulently, are being used in violation of these Terms, or present a risk to platform security.

4 The Platform and Our Services

PerkIQ provides an employer-facing benefits intelligence platform including a Snapshot health check, Deep Dive diagnostic, Insights Engine, Action Tracker, Provider Directory, Benefits Hub, and Employee Survey tool.

The Snapshot scoring engine is entirely deterministic. It does not use artificial intelligence. The same inputs will always produce the same score. Where AI-assisted features are made available, this will be clearly indicated. AI-generated content is informational only and does not constitute professional HR, legal, or financial advice.

The Platform is available for general use. Where a modification is material, PerkIQ will provide not less than 14 days' written notice before the change takes effect.

5 Acceptable Use

You agree not to:

• Use the Platform in breach of any applicable law or regulation
• Upload or transmit any content that is unlawful, harmful, defamatory, or infringes third-party intellectual property rights
• Attempt to gain unauthorised access to any part of the Platform or its underlying systems
• Use automated scripts, bots, or scraping tools to extract data from the Platform
• Reverse engineer, decompile, or otherwise attempt to derive the source code of the Platform
• Resell, sublicence, or otherwise make the Platform available to third parties except as expressly permitted under a separate written agreement with PerkIQ
• Use the Platform to process or store personal data in violation of UK GDPR or the Data Protection Act 2018
• Upload content that contains malware, viruses, or other malicious code

We reserve the right to remove any content that violates these requirements and to suspend or terminate access without notice where a breach is serious.

6 Intellectual Property

All intellectual property rights in the Platform, including its software, design, scoring logic, provider data, and content, are and remain owned by PerkIQ Ltd or our licensors. Your subscription grants you a non-exclusive, non-transferable, revocable licence to use the Platform during the term of your subscription, solely for your internal business purposes.

You retain ownership of any data you upload to or generate within the Platform. You grant PerkIQ a limited licence to process and store that data for the purpose of delivering the Platform's services to you.

We may use anonymised, aggregated, non-attributable data derived from Platform usage for benchmarking, product improvement, and research. No data that identifies you or your organisation will be used for these purposes without your consent.

7 Subscription, Billing, and Cancellation

7.1 Plans

PerkIQ offers a Starter tier (free, includes Snapshot diagnostic and provider directory browsing), a Growth tier (full action tracker, Deep Dive diagnostic, Insights page, Benefits Hub, and PDF report download), and a Scale tier (everything in Growth plus employee surveys, stack analytics, benchmarking, and team management). Features available on each plan are as described on the Pricing page at the time of subscription.

7.2 Payment

Paid subscriptions are billed in advance on a monthly or annual basis. By providing payment details you authorise us to charge the applicable fee on each billing date. All prices are exclusive of VAT where applicable.

7.3 Cancellation and refunds

You may cancel your subscription at any time via account Settings. Access continues until the end of the current billing period. No refund is payable for any unused prepaid period where you choose to cancel, except where required by law or where PerkIQ has materially failed to deliver the service.

Where PerkIQ discontinues the Platform or a feature that was material to your subscription and gives you notice under clause 14, PerkIQ will refund a pro-rata portion of any prepaid annual fee corresponding to the unused period remaining after the effective discontinuation date.

For direct subscribers, PerkIQ reserves the right to modify subscription pricing with not less than 30 days' written notice. Continued use after the notice period constitutes acceptance of the new pricing. This clause applies to direct subscription relationships only and does not govern pricing under any broker or reseller arrangement, which is subject to the terms of the applicable Broker and Reseller Agreement.

7.4 Free trials

Where a free trial is offered, your account will convert to a paid subscription at the end of the trial unless you cancel before it expires. We will notify you before the trial ends.

8 Suspension

Where PerkIQ suspends your account for breach of these Terms or for security reasons:

• Your access to the Platform will be restricted for the duration of the suspension
• Billing will be paused for the duration of a suspension imposed by PerkIQ. Billing continues during any voluntary account pause requested by you.
• Your data will be preserved and will remain accessible to you upon reinstatement
• To request reinstatement, contact info@perkiq.co.uk. PerkIQ will review your request and respond within 5 business days.
• PerkIQ may convert a suspension to permanent termination if the breach is not remedied or if further breaches occur during or after a suspension period

9 Disclaimer of Warranties

The Platform is provided "as is" and "as available". To the fullest extent permitted by law, PerkIQ disclaims all warranties, express or implied, including that the Platform will be uninterrupted or error-free, that diagnostic outputs or recommendations are accurate or suitable for any particular purpose, or that the Platform constitutes professional HR, legal, or financial advice.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

10 Limitation of Liability

Subject to clause 9, PerkIQ's total liability to you under or in connection with these Terms shall not exceed the greater of: the total fees paid by you to PerkIQ in the 12 months immediately preceding the event giving rise to the claim, or one hundred pounds (GBP 100).

PerkIQ will not be liable for any indirect, special, incidental, or consequential loss or damage, including loss of profits, loss of data, loss of goodwill, or business interruption, even if advised of the possibility of such loss.

11 Data Protection

PerkIQ processes personal data in accordance with UK GDPR and the Data Protection Act 2018. Details are set out in our Privacy Policy.

You confirm that any personal data you upload to the Platform has been collected lawfully and that you have an appropriate basis to share it with us for the purpose of delivering the service.

12 Force Majeure

PerkIQ will not be liable for any failure or delay in performing its obligations under these Terms to the extent caused by circumstances beyond its reasonable control, including acts of God, pandemic, governmental action, internet or telecommunications failures, power outages, or third-party service provider outages. PerkIQ will notify you promptly of any such event and will use reasonable endeavours to resume normal service as soon as practicable.

13 Disputes

If a dispute arises between you and PerkIQ in connection with these Terms, the Parties agree to attempt to resolve it in good faith before commencing legal proceedings. Either Party may initiate this process by giving written notice to the other describing the dispute. The Parties will then have 30 days to resolve the dispute by negotiation. If the dispute remains unresolved after 30 days, either Party may pursue the remedies available under clause 16.6.

14 Termination

"Material breach" for the purposes of these Terms means a breach that is serious in nature, has a significant effect on the non-breaching party, and is not capable of remedy within a reasonable period or has not been remedied after written notice. Examples include persistent non-payment of fees, misuse of another user's data, and deliberate circumvention of platform security measures.

You may close your account via Settings at any time. We may suspend or terminate your access immediately if you commit a material breach of these Terms. We may terminate with 30 days' notice if we discontinue the Platform or a relevant feature, in which case the pro-rata refund provision in clause 7.3 applies.

On termination, your access will cease. You may export your data using the export feature in Settings at any time before closure. We will delete your personal data in accordance with our Privacy Policy.

15 Assignment

You may not assign or transfer any rights or obligations under these Terms without PerkIQ's prior written consent. PerkIQ may assign this agreement, in whole or in part, to any successor entity in connection with a merger, acquisition, reorganisation, or sale of all or substantially all of its assets, without your consent but with reasonable written notice to you.

16 General

16.1 Entire agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PerkIQ relating to your use of the Platform and supersede all prior agreements and understandings.

16.2 Variation

We may update these Terms from time to time. We will notify you of material changes by email or in-app notification with not less than 14 days' notice. Continued use after the notice period constitutes acceptance.

16.3 Waiver

Failure to enforce any provision of these Terms does not constitute a waiver of that provision.

16.4 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.

16.5 Third-party rights

A person who is not a party to these Terms has no right to enforce any term under the Contracts (Rights of Third Parties) Act 1999.

16.6 Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. Subject to clause 13 (Disputes), any unresolved dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16.7 Contact