These Terms of Service ("Terms") govern your access to and use of the arkline.ai website and any professional services provided by Arkline AI Ltd. ("Arkline", "we", "our").

By accessing arkline.ai or entering into an engagement with us, you agree to be bound by these Terms. If you do not agree, do not use the website or our services.

We may modify these Terms at any time. Continued use of the website or services after changes are posted constitutes acceptance of the updated Terms.

1. Description of Services

Arkline provides professional services in risk-model development, independent model auditing and validation, and related training and advisory work for insurance organisations and adjacent risk-bearing institutions.

Specific scope, deliverables, fees, timing, and acceptance criteria are agreed in writing per engagement in a separate engagement letter or statement of work, which takes precedence over these Terms where there is any conflict.

The materials available on arkline.ai are informational and do not, on their own, constitute professional advice or a binding offer of services.

2. Engagements

Each client engagement is governed by its own engagement letter or statement of work. In the absence of an executed engagement letter, no obligation to perform services or make payment shall arise from the use of arkline.ai or correspondence about possible work.

Deliverables produced under an engagement are provided for the client's internal use unless otherwise agreed in writing.

3. Confidentiality

Each party agrees to keep confidential any non-public information received from the other in the course of an engagement, and to use such information only for the purpose for which it was disclosed. Standard exceptions apply for information that is publicly known, independently developed, or required to be disclosed by law or regulator.

4. Intellectual Property

Arkline retains ownership of the methods, frameworks, code libraries, and other tooling developed independently of any engagement.

Bespoke deliverables produced specifically for a client under an engagement transfer to the client on payment in full in accordance with the engagement letter, save for any reusable underlying components owned by Arkline.

Content on arkline.ai (including text, illustrations, and design) is owned by Arkline and may not be copied or redistributed without prior written permission.

5. Acceptable Use

You agree not to:

Use the website for unlawful purposes
Attempt unauthorised access to any system
Scrape, copy, or redistribute website content without written permission
Misrepresent affiliation with Arkline or any of our clients

6. Disclaimer of Warranties

Materials on the website and outputs of any engagement are provided "as is" and "as available" without warranties of any kind, express or implied, including:

Merchantability or fitness for a particular purpose
Accuracy, completeness, or reliability of any data, model output, or finding
Uninterrupted or error-free operation of the website

Risk and underwriting decisions, regulatory submissions, and capital determinations remain the sole responsibility of the user or client.

7. Limitation of Liability

To the maximum extent permitted by law, Arkline shall not be liable for:

Indirect, incidental, consequential, or punitive damages
Loss of profits, business, data, or goodwill
Damages arising from reliance on the website or on any deliverable

Our total aggregate liability under or in connection with any engagement is limited to the fees paid by the client to Arkline for that engagement in the twelve (12) months preceding the event giving rise to the claim. Nothing in these Terms excludes any liability that cannot be excluded as a matter of law.

8. Indemnification

You agree to indemnify Arkline and its affiliates from any third-party claims arising from your misuse of the website or any deliverable, or from your violation of these Terms or applicable third-party rights.

9. Termination

Engagements may be terminated in accordance with their engagement letters. Sections covering intellectual property, confidentiality, disclaimers, limitation of liability, and indemnification survive termination of any engagement or your use of the website.

10. Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles. Disputes shall be resolved in the courts of England and Wales. We may seek injunctive relief in any court of competent jurisdiction for actual or threatened intellectual-property violations.

11. Contact

Questions about these Terms? hello@arkline.ai

Arkline AI Ltd.
17 St Helen's Place
London EC3A 6DG