Terms of Service

Effective date: 14 May 2026  |  Governing law: England & Wales

1. Definitions

In these Terms:

• "Company", "we", "us", "our" means Future Systems AI Ltd, a company registered in England & Wales (Company No. 17210087), trading as MarginMultiplier.io, registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ.
• "Client", "you", "your" means the individual or business entity that purchases, accesses, or uses our services.
• "Services" means all AI-powered automation products, engines, workflows, integrations, communications, and associated consultancy delivered by the Company, including the Instruction Engine™, Digital Negotiator, Lead Rescue, and any other product.
• "AI Output" means any text, message, recommendation, summary, classification, or other content generated by artificial intelligence models incorporated into our Services.
• "Third-Party Platforms" means external services used in delivery, including but not limited to OpenAI, WhatsApp / Meta, Green API, Calendly, Rightmove, Zoopla, Twilio, and any cloud infrastructure providers.

2. Acceptance of Terms

These Terms constitute a legally binding agreement between you and the Company. They apply to all use of the website at marginmultiplier.io, all demo interactions, all paid Services, and all communications received from or on behalf of the Company. Continued use of any Service following any update to these Terms constitutes acceptance of the revised Terms.

3. Nature and Scope of Services

The Company provides AI-powered automation tools designed to assist estate agents, letting agents, recruiters, and trades businesses in qualifying and responding to enquiries. The Services are provided as a technical operational aid only. They do not constitute legal, financial, regulatory, compliance, or any other form of professional advice.

The Company acts as a technology service provider. Strategic decisions, regulatory compliance, and final business judgements remain entirely the Client's responsibility at all times.

4. AI Outputs — Limitations and Disclaimers

The Client acknowledges and agrees that:

• AI systems are probabilistic in nature. AI Outputs may be incorrect, incomplete, misleading, outdated, or "hallucinated" (i.e. plausible-sounding but factually wrong), and the Company makes no warranty that any AI Output will be accurate, suitable, or fit for any particular purpose.
• AI Outputs must not be relied upon as the sole basis for any business decision, customer communication, financial assessment, regulatory determination, or legal action.
• The Company expressly disclaims all liability for any loss, damage, claim, or expense of any kind arising from inaccurate, incomplete, or hallucinated AI Outputs, whether or not the Company was advised of the possibility of such outputs.
• AI language models may on occasion produce outputs that are offensive, inappropriate, or factually incorrect. The Client accepts this inherent risk and agrees that human review of AI-generated communications is their responsibility.
• Results and outcomes from the use of AI automation will vary. The Company makes no guarantee of any specific business outcome, number of leads generated, instructions won, or revenue achieved.

5. Client Responsibilities and Human Oversight

The Client agrees that it is solely responsible for:

• Maintaining adequate human oversight of all AI Outputs before acting upon them or delivering them to third parties.
• Reviewing and approving any AI-generated communications sent to leads, customers, tenants, vendors, landlords, or any other party on the Client's behalf.
• Ensuring that all use of the Services complies with applicable laws and regulations, including but not limited to UK GDPR, the Data Protection Act 2018, the Consumer Protection from Unfair Trading Regulations 2008, the Estate Agents Act 1979, the Letting Agents (Approved Schemes etc.) (Scotland) Regulations 2016, FCA regulations where applicable, and any applicable WhatsApp Business and Meta Platforms policies.
• Obtaining all necessary consents from individuals whose data is processed through the Services.
• Verifying the accuracy of any AI Output before it is communicated to any third party or relied upon in any transaction.
• Ensuring that the information, data, and contact details provided to the Company are accurate, lawfully obtained, and may be used for the purposes described.

Failure to maintain human oversight does not give rise to any claim against the Company.

6. WhatsApp and Messaging Compliance

Where Services involve outbound messaging via WhatsApp or other messaging platforms, the Client acknowledges that:

• The Client is the data controller and is solely responsible for ensuring that all contacts messaged have provided appropriate consent to receive automated commercial communications.
• The Company acts as a data processor in transmitting messages on behalf of the Client. The Client indemnifies the Company in full against any claim, fine, or sanction arising from non-compliant messaging conducted via the Services.
• WhatsApp and Meta Platforms may suspend or restrict access to messaging services at any time and for any reason. The Company accepts no liability for any loss of business, missed leads, or reputational damage resulting from such restrictions.
• Opt-out requests received from end users must be honoured by the Client promptly. The Company provides opt-out mechanism prompts within message flows as a technical aid; ultimate compliance responsibility rests with the Client.

7. Third-Party Platforms and Integrations

The Services depend in part on Third-Party Platforms over which the Company has no control. The Company:

• Makes no warranty regarding the availability, reliability, accuracy, or security of any Third-Party Platform.
• Accepts no liability for any service interruption, data loss, breach, or change in terms or pricing enacted by a Third-Party Platform.
• Reserves the right to substitute, replace, or remove any Third-Party Platform integration without notice if required by the third party's terms or for operational reasons.

The Client's use of any Third-Party Platform is also subject to that platform's own terms and policies, for which the Company bears no responsibility.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

• The Company's total aggregate liability to the Client for any and all claims arising out of or in connection with these Terms or the Services — whether in contract, tort (including negligence), misrepresentation, breach of statutory duty, or otherwise — shall not exceed the total fees paid by the Client to the Company in the three (3) calendar months immediately preceding the event giving rise to the claim.
• Where the Client has not paid any fees (e.g. during a free trial, demo, or assessment), the Company's total liability shall not exceed £100.
• Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under English law.

9. Exclusion of Consequential and Indirect Loss

In no event shall the Company be liable — whether in contract, tort, breach of statutory duty, or otherwise — for any of the following losses, whether direct or indirect, even if foreseeable or if the Company has been advised of their possibility:

• Loss of profits, revenue, sales, or business;
• Loss of instructions, lost contracts, or lost opportunities;
• Loss of anticipated savings;
• Loss of or damage to goodwill or reputation;
• Loss of data or corruption of data;
• Wasted management or employee time;
• Any indirect, special, incidental, or consequential loss of any kind.

10. Indemnification

The Client agrees to fully indemnify, defend, and hold harmless the Company, its directors, employees, contractors, agents, and successors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• The Client's use or misuse of the Services;
• Any AI Output acted upon or distributed by the Client without adequate human review;
• The Client's breach of these Terms;
• The Client's violation of any applicable law, regulation, or third-party right (including data protection, consumer protection, and messaging compliance laws);
• Any claim brought by a third party (including end customers, tenants, vendors, landlords, or regulators) arising from the Client's use of AI-generated communications or automated workflows;
• Any claim arising from the Client's failure to obtain necessary consents prior to using the Services to contact individuals;
• Any regulatory investigation, fine, or sanction directed at the Client in connection with the Services.

11. No Guarantee of Results

Any figures, case studies, projections, ROI estimates, or testimonials published on this website or provided in any proposal are illustrative only. Past performance is not indicative of future results. The Company makes no guarantee, express or implied, that the Client will achieve any particular level of lead conversion, revenue, cost saving, or business outcome through use of the Services. Results will vary depending on factors including but not limited to lead volume, market conditions, the Client's own follow-up processes, and the quality of data provided.

12. Service Availability and Uptime

The Company will use reasonable endeavours to maintain the availability of the Services. However, the Company does not guarantee uninterrupted or error-free operation. Scheduled or emergency maintenance, Third-Party Platform outages, and factors beyond the Company's reasonable control may affect availability. The Company accepts no liability for losses arising from any period of unavailability, however caused.

13. Intellectual Property

All intellectual property rights in the Services, the website, and any materials created by the Company (including AI engine configurations, workflow designs, and prompt architectures) remain the exclusive property of Future Systems AI Ltd or its licensors. The Client is granted a limited, non-exclusive, non-transferable licence to use the Services for its own internal business purposes only during the term of engagement. Nothing in these Terms transfers any intellectual property rights to the Client.

14. Confidentiality

Each party agrees to keep confidential any non-public information disclosed by the other party in connection with the Services, and not to disclose such information to any third party without prior written consent, except as required by law.

15. Data Protection

The processing of personal data in connection with the Services is governed by our Privacy Policy and Data Protection Policy, which form part of these Terms. The Client warrants that all personal data it provides to the Company has been collected and may be processed lawfully.

16. Force Majeure

The Company shall not be in breach of these Terms, nor liable for any delay or failure to perform any obligation, to the extent that such delay or failure results from events, circumstances, or causes beyond its reasonable control, including but not limited to: acts of God, pandemic, government action, changes in law or regulation, cyberattack, Third-Party Platform failure, telecommunications failure, or industrial action.

17. Termination

Either party may terminate a Service engagement by giving 30 days' written notice (unless a different notice period is specified in a separate order or engagement letter). The Company reserves the right to suspend or terminate the Services immediately and without notice if the Client breaches these Terms, fails to make payment when due, or uses the Services in a manner that the Company reasonably believes is unlawful or harmful.

On termination, the Client's licence to use the Services ceases immediately. Clauses relating to limitation of liability, indemnification, intellectual property, and governing law survive termination.

18. Variation of Terms

The Company reserves the right to amend these Terms at any time. The current version will always be published at marginmultiplier.io/terms. Continued use of the Services after any amendment constitutes the Client's acceptance of the updated Terms. Where a change materially affects the Client's rights, we will endeavour to provide reasonable notice.

19. Entire Agreement

These Terms, together with any order confirmation, engagement letter, and our Privacy and Data Protection Policies, constitute the entire agreement between the parties in relation to the Services and supersede all prior representations, agreements, or understandings. No variation of these Terms is effective unless made in writing and signed by an authorised representative of the Company.

20. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

21. Waiver

No failure or delay by the Company to exercise any right or remedy provided under these Terms shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy.

22. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales. Both parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter.

23. Contact

For any questions regarding these Terms, please contact:

Future Systems AI Ltd (trading as MarginMultiplier.io)
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
Company No. 17210087 — Registered in England & Wales
Email: legal@marginmultiplier.io