Terms and Conditions

Effective Date: December 15, 2025

These Terms and Conditions constitute a legally binding agreement between you and Keystone regarding your use of our website and services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.

1. Agreement to Terms

These Terms and Conditions create a binding legal agreement between you (the user) and Keystone (the service provider). Your access to and use of our website and services is conditional upon your acceptance of and compliance with these terms.

If you do not agree to these Terms and Conditions, you must immediately cease using our website and services. Your continued use following any amendments to these terms will constitute your acceptance of such changes.

2. User Obligations and Conduct

Legal Compliance

You agree to comply with all applicable laws, regulations, and ordinances in your jurisdiction when using our website and services. This includes, but is not limited to, laws governing intellectual property, data protection, consumer protection, and electronic communications.

Prohibited Conduct

You expressly agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of our services in any medium without our express written consent
• Using any automated system, including robots, spiders, or offline readers, to access our services
• Transmitting spam, chain letters, or other unsolicited communications
• Attempting to interfere with, compromise, or reverse engineer any aspect of our services
• Taking any action that imposes an unreasonable load on our infrastructure
• Uploading invalid data, viruses, worms, or other malicious code
• Collecting or harvesting personal information from other users
• Using our services for any illegal or unauthorized purpose
• Impersonating or misrepresenting your affiliation with any person or entity
• Interfering with or disrupting our services or servers

Account Responsibilities

If you create an account with us, you are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other security breach.

Accuracy of Information

You agree to provide accurate, current, and complete information when engaging with our services and to update such information to maintain its accuracy. Providing false or misleading information may result in termination of your access to our services.

3. Liability Limitations and Disclaimers

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that our services will be uninterrupted, secure, or error-free
• Warranties that defects will be corrected
• Warranties regarding the results obtained from use of our services

Limitation of Liability

To the fullest extent permitted by applicable law, Keystone, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or goodwill
• Service interruption or system failures
• Cost of substitute goods or services
• Any other intangible losses

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

Maximum Liability Cap

In no event shall our total liability to you for all claims arising from or related to our services exceed the amount you have paid to us in the twelve months immediately preceding the event giving rise to the liability, or one hundred pounds sterling (£100) if you have not made any payments to us, whichever is greater.

Exclusion of Consequential Damages

We shall not be liable for any consequential, indirect, or special damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. This includes damages for loss of business, loss of savings, or any other economic loss.

4. Indemnification

You agree to defend, indemnify, and hold harmless Keystone, its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including reasonable legal fees) arising from:

• Your use of and access to our services
• Your violation of any term of these Terms and Conditions
• Your violation of any third-party right, including intellectual property rights
• Any claim that your content caused damage to a third party
• Your violation of any applicable law or regulation

This indemnification obligation will survive the termination of these Terms and Conditions and your use of our services.

5. Intellectual Property Rights

All intellectual property rights in our website, services, and content, including but not limited to copyrights, trademarks, service marks, trade names, patents, and trade secrets, are owned by or licensed to Keystone.

You acknowledge that you do not acquire any ownership rights by using our services. You may not reproduce, distribute, publicly display, publicly perform, or create derivative works from any content on our website without our express written permission.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using our services, you consent to our collection and use of your personal information as described in the Privacy Policy.

We comply with applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable. You have certain rights regarding your personal data, as detailed in our Privacy Policy.

7. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms and Conditions where such failure or delay results from circumstances beyond the reasonable control of that party, including but not limited to:

• Acts of God, including floods, earthquakes, or other natural disasters
• War, terrorism, or civil unrest
• Government actions or regulations
• Labor disputes or strikes
• Internet or telecommunications failures
• Pandemic or epidemic events

8. Governing Law and Jurisdiction

Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Jurisdiction

You 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 and Conditions or their subject matter or formation.

Dispute Resolution

In the event of any dispute arising from these Terms and Conditions, we encourage you to contact us first to attempt to resolve the matter informally. We are committed to working with our users to reach a fair resolution of any disputes.

9. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms and Conditions.

Upon termination, your right to use our services will immediately cease. All provisions of these Terms and Conditions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability.

10. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent. If such modification is not possible, the provision shall be severed from these Terms and Conditions, and the remaining provisions shall continue in full force and effect.

11. Waiver

No waiver by Keystone of any term or condition set forth in these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision.

12. Assignment

You may not assign or transfer these Terms and Conditions or any rights or obligations hereunder, by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms and Conditions at our sole discretion without restriction. Subject to the foregoing, these Terms and Conditions will bind and inure to the benefit of the parties and their respective successors and permitted assigns.

13. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published on our website, constitute the entire agreement between you and Keystone concerning your use of our services and supersede all prior or contemporaneous agreements, understandings, and communications, whether written or oral.

14. Modification of Terms

We reserve the right to modify these Terms and Conditions at any time at our sole discretion. We will provide notice of material changes by updating the "Effective Date" at the top of these Terms and Conditions. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

15. Language

These Terms and Conditions have been prepared in English. If these Terms and Conditions are translated into any other language, the English version shall prevail in case of any inconsistency or discrepancy.