Terms and Conditions

Effective date: 23/12/2025
Last updated: 23/12/2025

These Terms and Conditions (the “Terms”) govern your access to and use of gematree.com (the “Website”) and the digital services, features, and AI-generated digital outputs made available through the Website (the “Service”). The Website is operated by WOODHOUSES CONSULTING LTD (Company number 14827022) (the “Company”, “we”, “us”, “our”).

By accessing or using the Website, creating an account, funding your Wallet, and/or requesting or accessing any Output, you agree to be bound by these Terms and by the additional policies referenced in Section 2. If you do not agree, you must not use the Website or the Service.

1. Definitions:

• Account means your registered user account on the Website.
• AI means automated, machine-learning and/or model-driven systems used to generate or assist in generating Outputs.
• Digital Content means any digital output, report, forecast, compatibility result, horoscope, analysis, document, or other digital content made available through the Service, including browser-accessible content and downloadable files (including PDF).
• Order means your request to access paid Digital Content or paid Service features, which is paid for by debiting your Wallet balance.
• Output means any Digital Content generated by or through the Service, including AI-generated content.
• Supply means the point at which Digital Content is made available to you for access, viewing, or download via your Account or the Website, whether or not you choose to access, view, or download it at that time.
• Wallet means a personal, pre-paid stored-value balance linked to your Account that may be funded in advance using payment methods made available on the Website and may be used to pay for Orders. The Wallet is a stored-value feature only and is not a bank account, deposit, trust account, or payment account. Wallet balances are not redeemable for cash and cannot be transferred or assigned, except where mandatory law requires otherwise.

2. Other policies and relationship to these Terms

2.1 The following documents are separate and apply to your use of the Website and Service:

a) Privacy Policy and Cookie Policy (personal data and tracking);

b) Refund Policy (refund rules and process, if any).

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

2.3 If there is any conflict between these Terms and a separate policy in relation to the subject matter of that policy, the separate policy will prevail for that subject matter to the extent of the conflict. All other matters remain governed by these Terms.

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, complete, and up-to-date information when creating and maintaining your Account and must not impersonate another person or entity.

3.3 You are responsible for maintaining the confidentiality of your credentials and for all activity under your Account. You must notify us promptly if you suspect unauthorised access to or use of your Account.

3.4 If you use the Service on behalf of any entity, you represent and warrant that you have authority to bind that entity to these Terms.

4. The Service and AI-generated Outputs

4.1 AI-generated nature; no human review

Outputs are generated using AI and other automated systems based on information you submit and system processing. Unless we expressly state otherwise, Outputs are generated automatically and are not reviewed, verified, or endorsed by a human professional.

4.2 Informational and entertainment purposes only; no professional advice

Outputs are provided for informational and entertainment purposes only. Outputs do not constitute professional advice or a substitute for professional advice, including legal, medical, psychological, financial, investment, accounting, or other regulated advice. You are solely responsible for obtaining independent professional advice where appropriate and for any decisions or actions you take based on the Service or Outputs.

4.3 You acknowledge and agree that:

a) Outputs may not meet your expectations, preferences, or intended purpose;

b) Outputs may be inaccurate, incomplete, inconsistent, or contain errors or omissions;

c) Outputs may include content that appears authoritative, confident, or plausible but is not verified and may be incorrect;

d) Outputs are probabilistic in nature and may vary even where identical or similar inputs are used;

e) your inputs materially affect Outputs and you are responsible for the accuracy, completeness, legality, and appropriateness of the information you submit; and

f) you assume all risk arising from your access to, use of, or reliance on any Output.

4.4 You acknowledge and agree that Outputs may change over time, including for identical inputs, due to updates, retraining or fine-tuning of AI models, changes to algorithms, safety filters, system configuration, third-party dependencies, infrastructure changes, and other operational or technical modifications. We do not guarantee repeatability, consistency, or backward compatibility of Outputs.

4.5 We do not represent or warrant that Outputs are correct, complete, or suitable for any particular purpose, or that any particular result will be achieved. Any reliance you place on the Service or Outputs is at your own risk.

4.6 The Service is not designed for emergency use or for decisions that may result in harm to yourself or others. You remain solely responsible for determining whether an Output is appropriate for your circumstances.

5. Wallet, funding, and payment processing

5.1 Where the Wallet feature is offered, it is a stored-value balance linked to your Account and may be used solely within the Service to pay for Orders.

5.2 When you fund your Wallet, you authorise us and/or our payment processors to charge your selected payment method for the relevant amount. Where supported, additional authentication methods (including 3D Secure) may be applied.

5.3 No interest accrues on Wallet balances. To the maximum extent permitted by applicable law, Wallet funds may be commingled with our general corporate funds and are not required to be held in a segregated account.

5.4 Prices and any applicable fees and taxes (where required) will be displayed before you confirm the relevant action. To the maximum extent permitted by applicable law, we may change prices and fees by updating the Website. Changes do not affect Wallet debits already completed.

6. Orders, supply of Digital Content, and statutory cancellation rights (England and Wales)
6.1 An Order constitutes your offer to purchase access to paid Digital Content and/or paid features by debiting your Wallet balance. A contract is formed when we accept the Order by confirming it and/or by making the relevant Digital Content available to you (whichever occurs first).

6.2 Supply occurs when Digital Content is made available to you for access, viewing, or download via your Account or the Website, regardless of whether you choose to access, view, or download it immediately.

6.3 Statutory cancellation rights for digital content; agreement to immediate supply
Where an Order constitutes a distance contract for the supply of digital content not supplied on a tangible medium to a consumer under the laws of England and Wales, you agree that Supply is intended to begin immediately upon acceptance of the Order.

By entering into these Terms and continuing to use the Website and Service (including by placing an Order), you agree that:

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

b) once Supply begins, you acknowledge that you will lose any statutory right to cancel that contract for digital content, to the maximum extent permitted by applicable law.

For the avoidance of doubt, Supply begins when the Digital Content is made available to you via your Account or the Website for access, viewing, or download, whether or not you choose to access, view, or download it.

7. Wallet top-ups; strict acknowledgement on non-refundability after any spend
7.1 Nature of top-ups

Funding the Wallet is a prepayment intended for future Orders for digital content. The Wallet is not a bank account, deposit, trust account, or payment account.

7.2 Explicit acknowledgement of non-refundability after any spend

By funding your Wallet and continuing to use the Website and Service, you expressly acknowledge and agree that, to the maximum extent permitted by applicable law, any Wallet top-up becomes non-refundable once any portion of your Wallet balance is used to complete any Order (i.e., once any part of the Wallet balance is spent). You confirm that you fully understand and accept this consequence and that this acknowledgement forms a material basis of the transaction.

7.3 Refunds governed separately

Any refunds (if available) are governed by the Refund Policy and mandatory law. Nothing in these Terms excludes or limits rights that cannot be excluded under applicable law.

8. Intellectual property; licence; restrictions

8.1 The Website, the Service, and all underlying software, databases, design, and Content are owned by or licensed to us and are protected by intellectual property laws.

8.2 Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and Service for your personal, non-commercial use.

8.3 You must not:

a) copy, reproduce, distribute, sell, resell, publish, or otherwise exploit any part of the Website, Service, or Outputs except to the extent permitted by mandatory law;

b) reverse engineer, decompile, decode, or attempt to derive source code;

c) access, scrape, or harvest data using automated means except to the extent permitted by mandatory law;

d) remove or alter proprietary notices.

9. Prohibited use; enforcement

You must not use the Website or Service unlawfully, fraudulently, or abusively, or introduce malware or harmful code. We may restrict, suspend, or terminate access where we reasonably believe you have breached these Terms or where required or permitted by law.

10. Third-party services

The Service may rely on third-party providers (including payment processors). We do not control third-party services and your use of them is subject to their terms and policies.

11. Disclaimers

11.1 We do not warrant uninterrupted, timely, secure, or error-free operation. We may change, suspend, or discontinue any part of the Service at any time.

11.2 The Service, Website, Content, and Outputs are provided “as is” and “as available”, without warranties of any kind to the maximum extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Nothing in these Terms limits warranties that cannot be excluded under applicable law.

12. Limitation of liability

To the maximum extent permitted by applicable law, we (and our directors, officers, employees, contractors, agents, service providers, and licensors) will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, savings, data, goodwill, or business opportunities arising out of or in connection with your use of the Website or Service, including reliance on Outputs.

Nothing in these Terms limits liability where such limitation is prohibited by law.

13. Indemnity

You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, agents, contractors, licensors, service providers, and employees from third-party claims and reasonable legal fees arising out of or related to your breach of these Terms, misuse of the Service, or violation of law or third-party rights.

14. Termination

We may suspend or terminate your access if we reasonably believe you have breached these Terms or engaged in unlawful or abusive conduct, or where required by law. Obligations accrued before termination remain in effect.

15. Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them are governed by the laws of England and Wales and shall be subject to the exclusive jurisdiction of the courts of England and Wales.