Terms & Conditions

1. Introduction

Welcome to McCaigs AI (“we”, “us”, “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, software, applications, and AI systems (collectively, the “Services”).

By accessing or using our Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Services.

These Terms are governed by the laws of Scotland and, where relevant, the wider laws of the United Kingdom.

For any questions regarding these Terms, please contact us via our official contact page: https://mccaigs.ai/contact.

2. Trademark Notice

“McCaigs” is a registered trademark owned by McCaigs Group Ltd. Unauthorised use of the trademark, including imitation or use in a confusingly similar manner, is strictly prohibited and may result in legal action.

3. Eligibility

You may use our Services only if you:

• are at least 18 years old; or
• have the consent and supervision of a parent or legal guardian if under 18; and
• have the legal capacity to enter into a binding agreement.

Parents and guardians are responsible for any use of the Services by minors under their supervision.

4. Changes to These Terms

We may update these Terms periodically to reflect changes in the law, improvements to our Services, or internal operational requirements. Where changes are material, we will provide reasonable notice—usually by updating the “Last Updated” date and, where appropriate, notifying users directly.

Continued use of the Services after any changes constitutes acceptance of the revised Terms.

5. Our Services

McCaigs AI provides AI-powered tools, software, business support, consulting materials, and related digital products. You acknowledge that:

• AI-generated content may at times be inaccurate or incomplete;
• You should not rely solely on AI output for critical decisions;
• You are responsible for verifying and appropriately using any generated material.

We reserve the right to modify, suspend, or discontinue any part of the Services without prior notice.

6. Acceptable Use Policy

You agree not to use our Services in any way that is unlawful, harmful, inappropriate, or unauthorised, including but not limited to:

• Violating Scottish, UK, or international law.
• Attempting to reverse engineer, interfere with, or exploit our systems.
• Generating or distributing defamatory, harmful, discriminatory, or illegal content.
• Uploading or transmitting malware, malicious code, or disruptive content.
• Circumventing access controls or safety features.
• Passing off AI-generated work as human-authored where disclosure is legally required.

We reserve the right to suspend or terminate access for violations of this policy.

7. User Accounts

Where an account is required, you must:

• provide accurate and current information;
• maintain the confidentiality of your login credentials;
• ensure no unauthorised access to your account.

Accounts found in breach of these Terms may be suspended or removed.

8. Intellectual Property Rights

All intellectual property in our website, systems, models, software, branding, and content belongs to McCaigs AI or is licensed to us. You are granted a limited, non-transferable licence to use the Services for lawful purposes.

You must not:

• copy, reproduce, or redistribute content except as permitted;
• use our trademarks, brand identity, or proprietary assets without written consent;
• alter, decompile, or create derivative works from our systems.

AI-generated outputs may be used by you lawfully, subject to these Terms.

9. Privacy & Data Protection

We comply with the UK GDPR, the Data Protection Act 2018, and relevant Scottish privacy laws. Our Privacy Policy details how we collect, store, and process personal data, and outlines your rights. By using our Services, you consent to the data practices described in our Privacy Policy.

10. Third-Party Services

Our Services may link to or integrate with third-party websites or tools. We are not responsible for their policies, practices, security, or content. Use of third-party services is at your own risk.

11. Service Availability

Although we strive for reliability, we do not guarantee uninterrupted service, error-free performance, absence of outages, or flawless security. Maintenance, technical issues, or external factors may result in temporary unavailability.

12. Disclaimers

To the fullest extent permitted by Scots Law and UK Law, our Services are provided “as is” and “as available”. We do not guarantee absolute accuracy of AI-generated content. AI output should not be treated as legal, financial, medical, or professional advice, and we accept no responsibility for decisions made based on AI output.

Nothing in these Terms excludes liability that cannot legally be excluded, such as liability for fraud or personal injury caused by negligence.

13. Limitation of Liability

To the maximum extent permitted by law, McCaigs AI will not be liable for indirect, incidental, or consequential losses; business interruption or loss of profits; loss of data or reputation; damages arising from misuse of the Services; or damages arising from third-party systems or integrations.

Our total liability to you for any claim shall not exceed the amount you have paid to us in the preceding 12 months (if any).

14. Termination

We may terminate or suspend access to the Services if:

• you breach these Terms;
• we are legally obliged to do so;
• your access presents a risk to operational integrity or security.

On termination:

• your right to use the Services ends;
• clauses relating to intellectual property, liability, and governing law remain in effect.

15. Governing Law & Jurisdiction

These Terms are governed by the laws of Scotland. Any dispute shall be resolved by the courts of Scotland, unless consumer protection legislation allows you to bring a claim in your home jurisdiction elsewhere in the UK.

16. Contact Information

For enquiries, support, or legal matters, please visit our contact page: https://mccaigs.ai/contact.