Terms & Conditions

These terms govern your use of Apex Insights services. By creating an account, completing checkout, or signing an engagement agreement, you confirm that you have read, understood, and agreed to be bound by these terms.

Where you act on behalf of a business, you confirm that you have authority to enter into this agreement on its behalf. You also confirm that you are at least 18 years old.

We may refer to Apex Insights as “we”, “us”, or “our”, and to you as “you” or “your”. Apex Insights is a trading name of Craig Moore, a sole trader registered in Scotland with HMRC for Self Assessment.

We provide AI & Data Readiness assessments for businesses. Each engagement comprises a structured questionnaire, a 90-minute consultation, and a written report covering data landscape, AI readiness, governance and compliance, risk register, prioritised recommendations, and a suggested roadmap. One follow-up call is included to discuss your results.

Your report is delivered as a rich, interactive web report on your client dashboard, with a downloadable PDF copy. We aim to publish your report within 7 business days following your consultation.

Report revisions. Your service includes up to two revisions of your report. A revision is one round of reasonable changes you request to your delivered report: you review the report, send us your requested changes in a single batch, and we produce an updated version. A revision covers corrections, clarifications, factual fixes, and changes to wording, tone or emphasis in your existing report.

A brand-new assessment, or re-running your report against changed or resubmitted questionnaire answers, is a separate, chargeable piece of work and is not a revision. Revisions must be requested within 30 days of your report being delivered.

Our service is general business advisory. We are not authorised to provide, and do not provide, regulated financial advice (FCA), legal advice, tax advice, accounting advice, investment advice, medical or clinical advice. Where you require advice of that nature, you should engage an appropriately qualified and regulated professional.

Our recommendations are based on the information you provide and on our professional judgement. We do not guarantee specific business outcomes, financial returns, productivity gains, funding success, regulatory approval, or competitive advantage. You retain sole responsibility for any decision you make on the basis of our report or recommendations.

In delivering our service we use artificial intelligence (AI) and other automated research tools to gather, summarise, and analyse information. AI tools can produce output that is inaccurate, incomplete, or out of date, including fabricated facts, citations, statistics, vendor names, prices, deadlines, regulatory references, and funding scheme details.

Our methodology includes consultant review of AI-assisted output, but you must independently verify any factual claim, recommendation, vendor, scheme, deadline, statistic, or regulatory statement in our report before relying on it or committing any resource, whether financial, contractual, technical, or human, on the basis of it.

To the fullest extent permitted by law, we accept no liability for any loss, cost, decision, or other consequence arising from inaccurate, incomplete, or out-of-date information produced by AI tools and included in our report. This section is in addition to, and does not limit, the limitations set out in section 9 (Limitation of Liability).

All prices are displayed in GBP and are inclusive of all taxes applicable at the date of order. We are not currently VAT registered. The amount payable is the total amount displayed at checkout.

Payment in full is required before service begins. We accept payment by credit or debit card via our payment processor. Card details are handled by the processor and are not stored or seen by us.

Where we offer a promotional or founding-client rate, that rate is valid only at the time of order and only on the terms shown. We reserve the right to vary or withdraw promotional rates at any time for new orders.

If payment is not completed, your order is cancelled automatically 7 days after it is placed. No charge is made for a cancelled unpaid order. You can start a new order at any time, though any promotional rate that applied to the original order may no longer be available.

Where an engagement agreement requires signature, you may sign electronically. By clicking “I agree”, “I sign”, typing your name into a signature field, or by any similar affirmative action, you confirm your intent to be bound by the agreement.

We rely on the Electronic Communications Act 2000 and UK eIDAS regulations: a signature is not denied legal effect merely because it is in electronic form. We retain a record of your signature (timestamp in UTC, IP address, account email, and user-agent) for at least six years, as evidence of execution.

Cancellation, refund, and rescheduling terms vary by service. The policy for each service is published on its dedicated page and forms part of your contract with us.

AI & Data Readiness Report: read the AI & Data Readiness Report Cancellation Policy.

To cancel, contact us by email at [email protected] or use the Cancel Order option on your dashboard. We will confirm your cancellation by email.

Nothing in any service policy affects your statutory rights, including your right to a remedy if the service was not performed with reasonable care and skill.

We treat all non-public information you share with us during the engagement as confidential. We will not disclose your business information to any third party except:

• To our subprocessors, where strictly necessary to deliver the service and where they are bound by appropriate written data processing terms (see our Privacy Notice for the current list);
• Where required by law, by a regulator, or by a court order;
• Where you give us your express written consent;
• Where the information has come into the public domain through no breach by us.

We do not use information about your business or engagement for our own marketing or for benchmarking, beyond what is strictly necessary to deliver your service.

You agree to keep our methodology, scoring frameworks, prompts, and similar internal materials confidential and not to share them with any competing service provider.

The report we deliver to you, together with all underlying methodology, scoring frameworks, prompts, software, branding, and other materials, is and remains the intellectual property of Apex Insights.

On full payment, we grant you a non-exclusive, perpetual, worldwide, royalty-free licence to download, copy, store, and use the contents of your report internally for your own business purposes. You may share the report with your professional advisors on a confidential basis. You may not resell, sublicense, or publicly distribute the report without our prior written consent.

Information you provide about your business remains yours. You grant us a limited licence to use that information solely to deliver the service.

Reports are made available for download via your dashboard. We reserve the right to remove hosted copies of your report from the platform at any time and at our sole discretion. We do not guarantee any minimum hosting period. We strongly recommend you download and retain your own PDF copy on delivery. See our Privacy Notice for further detail.

Our total aggregate liability to you in connection with the service, whether in contract, tort (including negligence), under statute, or otherwise, shall not exceed the total fee you paid for the engagement giving rise to the claim.

We are not liable for any indirect, consequential, or special losses, including (without limitation) loss of profit, loss of revenue, loss of business opportunity, loss of anticipated savings, loss of goodwill, regulatory fines, or business interruption.

Nothing in these terms excludes or limits our liability for: (i) death or personal injury caused by our negligence; (ii) fraud or fraudulent misrepresentation; (iii) breach of section 12 of the Sale of Goods Act 1979 or section 2 of the Supply of Goods and Services Act 1982; or (iv) any other liability that cannot be excluded or limited by applicable law. Nothing in these terms affects your statutory rights under the Consumer Rights Act 2015.

We hold professional indemnity insurance commensurate with the nature and scale of our service. Confirmation of cover and limits is available to current clients on request.

Neither party will be in breach of these terms, nor liable for delay or failure to perform, where caused by circumstances beyond its reasonable control. This includes, without limitation: internet outages; failure of third-party services on which we rely (for example, our payment processor, AI provider, hosting provider, or email delivery service); public health emergencies; government action; acts of war, terrorism, or civil disturbance; strikes; or natural disasters.

Where such circumstances arise, we will notify you as soon as reasonably practicable and use reasonable efforts to resume performance, including by rescheduling your consultation at no additional charge.

You may terminate this agreement at any time by deleting your account in your account settings. Termination does not entitle you to a refund except as set out in section 6 (Cancellation, Refunds & Rescheduling).

We may terminate this agreement immediately by written notice (which may be by email) if you: (i) fail to pay any sum due; (ii) provide us with materially false or misleading information; (iii) request services that are unlawful or outside the agreed scope; (iv) behave abusively or threateningly toward our staff; or (v) cause us to breach any law, regulation, or third-party right.

Termination does not affect any rights or obligations that have accrued before the date of termination. Sections that by their nature should survive termination (including confidentiality, intellectual property, limitation of liability, and governing law) will continue to apply.

How we collect, use, store, and share personal data is described in our Privacy Notice. Our use of cookies is described in our Cookie Policy.

We are registered with the Information Commissioner's Office under registration number ZC222916.

For our postal address, please contact us at [email protected].

Email: [email protected]

Notices. Any notice under these terms must be given by email. Notices to us go to [email protected]; notices to you go to the email address on your account. A notice is deemed received 24 hours after sending, provided no bounce or non-delivery message is received.

Variations. We may update these terms from time to time. Where a change is material, we will notify you by email at least 30 days before the change takes effect. Continued use of the service after the effective date constitutes acceptance of the updated terms. Where you do not accept a material change, you may terminate the agreement under section 11.

Severability. If any provision of these terms is held to be invalid, illegal, or unenforceable, that provision will be deemed modified to the minimum extent necessary, and the remainder of these terms will continue in full force.

No third-party rights. A person who is not a party to these terms has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term.

Entire agreement. These terms, together with the checkout summary and any signed engagement agreement, constitute the entire agreement between you and us in relation to the service. They supersede any prior agreement, understanding, or representation, except in respect of fraud or fraudulent misrepresentation.

Assignment. You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign our rights and obligations to a successor in connection with a sale of our business or assets, on notice to you.

If you are unhappy with our service, please contact us at [email protected]. We aim to acknowledge complaints within 3 business days and resolve them within 14 business days where reasonably possible.

We do not currently subscribe to an alternative dispute resolution (ADR) scheme. If we are unable to resolve your complaint to your satisfaction, you may contact your local Citizens Advice Bureau for guidance, or pursue any rights you have under section 15 (Governing Law) below.

These terms are governed by the laws of Scotland. Any dispute arising from these terms shall be subject to the non-exclusive jurisdiction of the Scottish courts.

Where you are a consumer resident in another part of the United Kingdom, you may also bring proceedings in the courts of your country of residence, and you have the benefit of any mandatory consumer protections of that country.

Nothing in these terms affects your statutory rights.