Terms and Conditions

Effective date: 06/04/2026
Last updated: 06/04/2026

Version 3

These Terms and Conditions (the “Terms”) govern your access to and use of gematree.com (the “Website”), including all digital services, platform features, and AI-generated digital outputs made available through the Website (together, the “Service”).

The Website and the Service are operated by WOODHOUSES CONSULTING LTD (Company number 14827022) (the “Company”, “we”, “us”, “our”). The Company is the merchant of record for all Orders placed through the Website, and any contract for paid features, Digital Content, or other elements of the Service is concluded directly between you and the Company.

By accessing the Website, creating an Account, funding your Wallet, placing an Order, or accessing any Output, you agree to these Terms and to the policies referred to below. If you do not agree, you must not use the Website or the Service.

1. Definitions

1.1 “Account” means your registered user account on the Website.

1.2 “AI” means automated, machine-learning, model-driven, or similar computational systems used to generate, assist in generating, process, rank, or deliver Outputs.

1.3 “Digital Content” means any digital content made available through the Service, whether generated on demand or otherwise provided through your Account or the Website, including reports, forecasts, compatibility results, horoscopes, analyses, documents, browser-accessible content, and downloadable files.

1.4 “Order” means your request to obtain paid access to Digital Content, Outputs, or paid Service functionality, paid through your Wallet balance.

1.5 “Output” means any Digital Content generated, produced, compiled, or made available through the Service, including AI-generated content.

1.6 “Supply” means the moment at which the relevant Digital Content is first made available to you through your Account or the Website for access, viewing, use, or download, whether or not you access, open, use, or download it at that time. For the purposes of UK consumer law, Supply occurs at the moment the relevant Digital Content is first made available to you.

1.7 “Wallet” means the pre-funded technical balance linked to your Account and used solely for advance payment (advanced payment) for Orders within the Website. The Wallet is a technical feature for advance payment and does not constitute electronic money or a regulated payment service. It is not a bank account, deposit, trust account, or payment account.

2. Other Policies and Relationship to These Terms

2.1 The following separate policies also apply to your use of the Website and the Service, where relevant:

a) the Privacy Policy and Cookie Policy; and

b) the Refund Policy.

2.2 These policies are incorporated into these Terms by reference and form part of the agreement between you and the Company.

2.3 If there is any inconsistency between these Terms and any separate policy in relation to the subject matter of that policy, the separate policy will prevail to the extent of that inconsistency. In all other respects, these Terms prevail.

3. Eligibility, Account, and Security

3.1 You must be at least 18 years old and legally capable of entering into a binding contract in order to use the Website and the Service.

3.2 You must provide accurate, current, and complete information when registering for an Account and must keep that information updated.

3.3 You must not create an Account under a false identity, impersonate another person or entity, or otherwise misrepresent your affiliation with any person or organisation.

3.4 You are responsible for maintaining the confidentiality of your login credentials and for all activity carried out through your Account.

3.5 You must notify us without undue delay if you suspect or become aware of any unauthorised access to your Account or any other security breach affecting your use of the Service.

3.6 If you use the Service on behalf of a business or other legal entity, you confirm that you have authority to bind that entity to these Terms.

4. Nature of the Service and AI-Generated Outputs

4.1 The Service provides automated and AI-assisted digital outputs. Unless expressly stated otherwise on the Website, Outputs are generated automatically and are not reviewed, approved, verified, or endorsed by any human professional before being made available to you.

4.2 Outputs are provided for informational, personal, and entertainment purposes only.

4.3 Outputs do not constitute legal, medical, psychological, therapeutic, financial, investment, accounting, or other regulated professional advice, and must not be treated as a substitute for independent professional advice.

4.4 You are solely responsible for deciding whether any Output is suitable for your intended purpose and for any action, omission, or decision taken on the basis of the Service or any Output.

4.5 You acknowledge and agree that:

a) Outputs may be inaccurate, incomplete, outdated, inconsistent, misleading, or otherwise unsuitable for your intended purpose;

b) Outputs may contain content that appears persuasive, authoritative, or plausible but is nonetheless incorrect;

c) identical or similar inputs may produce different Outputs at different times;

d) the quality, relevance, and usefulness of Outputs depend materially on the information you provide;

e) you are responsible for the legality, accuracy, completeness, and appropriateness of your inputs; and

f) you assume the risks associated with accessing, using, interpreting, sharing, or relying on Outputs.

4.6 Outputs may change over time, including where the same or similar input is used, due to updates to models, prompts, rules, filtering systems, infrastructure, third-party tools, datasets, safety settings, and other operational or technical factors. We do not guarantee repeatability, consistency, or backward compatibility.

4.7 The Service is not intended for emergencies, crisis situations, or any use case where an inaccurate, delayed, or incomplete Output could cause harm, loss, or adverse consequences.

5. Wallet, Advance Payment, Pricing, and Currency

5.1 Where the Wallet feature is available, it is used solely as a prepayment mechanism for future Orders within the Service.

5.2 Funding the Wallet constitutes an advance payment made by you for future Orders for paid features, Outputs, Digital Content, or other paid elements of the Service that may later be selected through the Website. A Wallet top-up does not by itself constitute an Order for any specific paid feature, Output, Digital Content, or other Service element, and does not by itself create an obligation on us to supply any particular content or feature unless and until a separate Order is placed and accepted in accordance with these Terms. The funds credited to your Wallet may be used solely for future payments within the Service by debiting the corresponding amount from your Wallet balance when you place an Order.

5.3 The Wallet is a technical feature only. It does not provide banking functionality, safeguarding services, deposit functionality, cash storage, money remittance, or any regulated payment service to you.

5.4 No interest accrues on Wallet balances.

5.5 Unless mandatory law requires otherwise, Wallet balances:

a) are non-transferable;

b) are not redeemable for cash;

c) cannot be assigned to another user; and

d) may be used only within the Website for Orders accepted by us.

5.6 Prices for paid features, Outputs, and other Digital Content are displayed in the currency selected by you on the Website.

5.7 It is your responsibility to review the selected currency and the displayed price before completing a Wallet top-up or placing an Order.

5.8 When you place an Order, exactly the monetary amount shown as the price of the selected paid feature, Service element, or Digital Content at the time of checkout or confirmation will be debited from your Wallet balance.

5.9 If taxes, duties, or similar charges are applicable, they will be handled as stated on the Website at the relevant stage of the transaction.

5.10 When you fund your Wallet, you authorise us and our payment service providers to charge your chosen payment method for the selected top-up amount. Additional authentication procedures may apply where required by the payment provider or by law.

5.11 We may amend prices by updating the Website. Any such change will not affect an Order already accepted by us or a Wallet debit already completed.

6. Orders and Contract Formation

6.1 Each Order submitted through the Website is an offer by you to purchase the relevant paid Digital Content, Output, or Service functionality from the Company.

6.2 An Order is paid exclusively by debiting from your Wallet balance exactly the amount displayed to you as the price of the relevant paid feature, Output, or Digital Content at the time the Order is placed, in the currency selected by you on the Website. By submitting an Order, you expressly authorise us to deduct that exact displayed amount from your available Wallet balance for the purpose of completing the transaction. No additional amount will be debited in respect of that Order unless such amount is clearly disclosed to you before you confirm the Order. An Order will not be accepted or completed unless your available Wallet balance is sufficient to cover the full displayed price.

6.3 A contract for the relevant Order is formed when we accept your Order by making the relevant Digital Content available to you, issuing an order confirmation, or otherwise expressly accepting the Order, whichever occurs first.

6.4 Order confirmation does not guarantee availability until the relevant Digital Content is actually made available to you through your Account or the Website for access, viewing, use, or download.

6.5 We reserve the right to reject, refuse, reverse, or not complete an Order where this is reasonably necessary, including where:

a) the Service is unavailable;

b) pricing or technical information is obviously incorrect;

c) we reasonably suspect fraud, abuse, or unlawful activity;

d) your Wallet balance is insufficient; or

e) we are required to do so by law or by a competent authority.

7. Supply of Digital Content and Statutory Cancellation Rights

7.1 Supply of Digital Content occurs when the relevant Digital Content is first made available to you through your Account or the Website for access, viewing, use, or download.

7.2 Where an Order is a distance contract with a consumer for the supply of digital content not supplied on a tangible medium, you expressly request and agree that Supply is to begin immediately after acceptance of the Order.

7.3 By placing an Order for such Digital Content, you expressly acknowledge and agree that:

a) you request immediate Supply of the relevant Digital Content;

b) you consent to Supply beginning before the end of any statutory cancellation period that may otherwise apply; and

c) once Supply has begun, you will lose any statutory right to cancel that contract to the maximum extent permitted by applicable law.

7.4 For the avoidance of doubt, Supply begins when the relevant Digital Content is first made available to you through your Account or the Website, whether or not you choose to access, use, view, or download it at that time.

7.5 This does not affect your statutory rights in relation to Digital Content that is faulty, not as described, or does not function as required under applicable consumer law.

7.6 Nothing in this section affects any mandatory consumer rights you may have under applicable law.

8. Wallet Top-Ups and Non-Refundability After Use

8.1 A Wallet top-up is an advance payment intended for future Orders within the Service and is not a separate digital product in itself.

8.2 By funding your Wallet and continuing to use the Website and the Service, you expressly acknowledge and agree that, to the maximum extent permitted by applicable law, once any portion of your Wallet balance is used to complete any Order, the relevant Wallet top-up or top-ups may become non-refundable.

8.3 You acknowledge that this treatment of Wallet funds forms a material basis on which the Wallet functionality is made available to you.

8.4 Any refund rights that apply to Wallet funds, Orders, or Digital Content are governed by the Refund Policy and by mandatory law.

8.5 Nothing in these Terms excludes, restricts, or overrides rights that cannot lawfully be excluded or restricted.

9. Statutory Rights for Faulty Digital Content

9.1 Nothing in these Terms limits any non-excludable rights you may have under the Consumer Rights Act 2015 or other applicable UK consumer protection law.

9.2 If Digital Content supplied by us is faulty, not of satisfactory quality, not fit for purpose where required by law, or not as described, you may have legal remedies.

9.3 Where required by applicable law, your primary remedy may be repair or replacement of the Digital Content.

9.4 If repair or replacement is impossible, is not provided within a reasonable time, or would cause significant inconvenience where the law so provides, you may be entitled to a price reduction and, where applicable, a refund in accordance with your statutory rights.

10. Intellectual Property and Limited Licence

10.1 The Website, the Service, and all associated software, systems, databases, interfaces, branding, design elements, and other content made available by us, excluding rights that cannot legally belong to us, are owned by us or licensed to us and are protected by intellectual property laws.

10.2 Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Website, the Service, and Outputs made available to you, solely for your personal, non-commercial use and solely in accordance with these Terms.

10.3 Any wider rights to use a specific Output will apply only where expressly granted by us in writing or in separate licence terms made available for that Output.

10.4 You must not, except to the extent permitted by mandatory law:

a) copy, reproduce, republish, transmit, distribute, sell, resell, lease, license, or otherwise commercially exploit any part of the Website, Service, or Outputs;

b) reverse engineer, decompile, disassemble, decode, or attempt to derive source code or underlying models, prompts, logic, or systems;

c) scrape, crawl, harvest, extract, or collect data from the Website or the Service by automated means;

d) remove, obscure, or alter any copyright, trade mark, branding, watermark, or other proprietary notice; or

e) use the Website, the Service, or Outputs in a way that infringes our rights or the rights of any third party.

11. Prohibited Use and Enforcement

11.1 You must not use the Website or the Service:

a) in breach of any applicable law or regulation;

b) for fraudulent, misleading, abusive, defamatory, harassing, exploitative, or harmful purposes;

c) to upload, transmit, request, generate, or disseminate unlawful content;

d) to interfere with the Website, the Service, or any network, system, or security feature;

e) to introduce malware, viruses, bots, harmful code, or other technically harmful material; or

f) in a manner likely to damage, disable, overload, impair, or compromise the Service or the interests of other users.

11.2 We may monitor compliance with these Terms to the extent reasonably necessary for security, legal compliance, fraud prevention, quality control, and operation of the Service.

11.3 We may restrict, suspend, or terminate access to all or part of the Website or the Service where we reasonably believe that you have breached these Terms, created legal or technical risk, engaged in misuse, or where we are required or permitted to act by law.

12. Third-Party Services and Dependencies

12.1 Certain parts of the Service may depend on third-party providers, including payment processors, hosting providers, infrastructure providers, analytics tools, and AI or automation providers.

12.2 We do not control third-party services and are not responsible for their independent acts, omissions, downtime, policies, or technical limitations.

12.3 Your use of any third-party service made available in connection with the Website may also be subject to that third party’s own terms, privacy notices, and operating rules.

13. Disclaimers

13.1 To the maximum extent permitted by law, we do not guarantee that the Website or the Service will always be available, uninterrupted, timely, secure, accurate, complete, error-free, or free from bugs or harmful components.

13.2 We may modify, withdraw, suspend, or discontinue any part of the Website or the Service at any time, temporarily or permanently.

13.3 The Website, the Service, and all Outputs are provided on an “as is” and “as available” basis, to the maximum extent permitted by law.

13.4 To the maximum extent permitted by law, we disclaim all warranties, representations, conditions, and other terms not expressly set out in these Terms, whether express or implied, including implied warranties of satisfactory quality, fitness for a particular purpose, and non-infringement.

13.5 Nothing in these Terms limits or excludes any warranty, condition, or statutory protection that cannot lawfully be limited or excluded.

14. Limitation of Liability

14.1 To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, punitive, or consequential loss, or for any loss of profit, revenue, business, contracts, opportunity, anticipated savings, goodwill, or data, arising out of or in connection with your use of, inability to use, or reliance on the Website, the Service, or any Output.

14.2 To the maximum extent permitted by applicable law, we are not liable for loss or damage arising from:

a) your reliance on any Output;

b) inaccuracies or omissions in Outputs;

c) incompatibility between the Service and your devices, browser, software, or systems;

d) interruptions, delays, or failures caused by third-party services or infrastructure; or

e) your own acts, omissions, inputs, or misuse of the Service.

14.3 Nothing in these Terms excludes or limits liability for:

a) death or personal injury caused by negligence;

b) fraud or fraudulent misrepresentation; or

c) any other liability that cannot lawfully be excluded or limited under applicable law.

15. Responsibility for Breach and Third-Party Claims

15.1 To the extent permitted by law, you are responsible to us for losses, costs, or liabilities that we reasonably suffer as a result of:

a) your material breach of these Terms;

b) your unlawful use of the Website or the Service; or

c) your infringement of any third-party rights.

15.2 This section does not require you to compensate us for any loss that was not caused by your breach or that cannot lawfully be imposed on you under applicable law.

16. Suspension and Termination

16.1 We may suspend or terminate your access to the Website, the Service, or your Account where we reasonably consider that:

a) you have materially breached these Terms;

b) your use of the Service presents legal, regulatory, security, technical, or reputational risk;

c) your Account has been used fraudulently or without authorisation; or

d) suspension or termination is required by law, court order, regulator, or competent authority.

16.2 We may also suspend the Service or any part of it for maintenance, security, repair, upgrades, or operational reasons.

16.3 Termination or suspension does not affect any rights, obligations, liabilities, or remedies that accrued before the date of suspension or termination.

16.4 Sections which by their nature are intended to continue after termination will remain in force, including provisions concerning payment, liability, intellectual property, dispute resolution, and statutory rights.

17. Governing Law and Jurisdiction

17.1 These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of England and Wales.

17.2 If you are a consumer, you will also retain the benefit of any mandatory protections afforded to you by the law of the part of the United Kingdom in which you reside, where applicable.

17.3 The courts of England and Wales will have jurisdiction over any dispute arising out of or in connection with these Terms, except that, where mandatory consumer law gives you the right to bring proceedings elsewhere, nothing in these Terms restricts that right.