Oak Cover - AI Risk Warranty | Protecting the Intelligent Future

Last Updated: January 2026

These Terms of Use ("Terms") contain mandatory binding arbitration, class action waiver, limitation of liability, and indemnity provisions. Please read these Terms carefully before using our Services.

1. Acceptance of Terms

OakCover Ltd and its subsidiaries and affiliates (collectively, "OakCover", "we", "us", or "our") provide AI risk warranty and risk management services for businesses deploying artificial intelligence systems. OakCover Ltd is a company registered in England and Wales (Company No. 16948043). These Terms govern your access to and use of our website (oakcover.co.uk and affiliated sites), our AI risk warranty platform, risk management tools, demo services, and any other products or services we provide (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Services. If you are using our Services on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms.

2. Eligibility and Account Registration

Our Services are intended for businesses and organisations. To use our Services, you must:

Be a legally recognised business entity or authorised representative of such entity
Be at least 18 years old and legally capable of entering into contracts
Have the authority to bind your organisation to these Terms
Provide accurate, current, and complete information during registration
Maintain and update your account information to keep it accurate
Comply with all applicable laws and regulations

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorised use of your account.

3. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Services in any way that violates applicable laws or regulations
Provide false, misleading, or inaccurate information
Attempt to gain unauthorised access to our systems or other users' accounts
Interfere with or disrupt the Services or servers connected to the Services
Use automated systems (bots, scrapers, etc.) to access the Services without permission
Reverse engineer, decompile, or disassemble any part of our Services
Copy, modify, or create derivative works of our Services or content
Use our Services to compete with us or to build competing products
Transmit any viruses, malware, or harmful code

4. AI Risk Warranty Policies

If you purchase AI risk warranty through OakCover, your warranty protection is governed by the terms and conditions of your warranty policy, which will be provided to you upon policy issuance. OakCover acts as a warranty technology platform and works with warranty providers to provide protection.

Important points regarding warranty policies:

Your rights and obligations are defined in your warranty policy documents
Protection terms, limits, deductibles, and exclusions are specified in your policy
You must provide accurate and complete information during the application process
Misrepresentation or failure to disclose material information may result in policy cancellation or claim denial
Warranty fee payments are required as specified in your policy
Claims must be reported promptly and in accordance with your policy terms

OakCover facilitates the connection between you and our partner warranty providers. We are not a warranty provider ourselves, and the warranty provider is ultimately responsible for policy issuance, claims handling, and coverage decisions.

5. Risk Management Platform and Demo Services

Our risk management platform and demo tools are provided for informational and risk assessment purposes. By using these services, you acknowledge that:

Risk scores, recommendations, and analytics are estimates based on the information you provide
Results are not guarantees of warranty protection, pricing, or risk outcomes
Final warranty decisions and policy terms are subject to assessment approval
You should review all policy terms carefully before purchasing warranty protection
Our models and methodologies may be updated over time
Demo data and mock scenarios are for illustrative purposes only

6. Intellectual Property

The Services, including all content, features, functionality, software, designs, logos, trademarks, and other materials, are owned by OakCover or our licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your internal business purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

7. Privacy and Data Protection

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

8. Accuracy of Information

You agree to provide accurate, truthful, and complete information when using our Services, including during warranty applications, risk assessments, and account registration. Providing false, misleading, or incomplete information may result in:

Denial of your warranty application
Cancellation of your policy
Denial of claims
Termination of your account and access to Services
Legal consequences as permitted by law

9. Fees and Payment

Warranty fees and charges are specified in your warranty policy or service agreement. You agree to pay all fees and charges associated with your use of our Services in accordance with the payment terms provided. Warranty fees are typically billed annually or as otherwise specified in your policy.

We reserve the right to change our fees at any time, but such changes will not affect existing policies during their current term. Failure to pay warranty fees may result in policy cancellation in accordance with your policy terms.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OAKCOVER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

Your use or inability to use the Services
Any unauthorised access to or use of our servers and/or any information stored therein
Any interruption or cessation of transmission to or from the Services
Any bugs, viruses, trojan horses, or the like that may be transmitted through the Services
Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content
Any decisions made based on information provided through our risk management platform or demo tools

IN NO EVENT SHALL OAKCOVER'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU PAID TO OAKCOVER IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY, OR ONE HUNDRED POUNDS (£100), WHICHEVER IS GREATER.

11. Indemnification

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

Your use or misuse of the Services
Your violation of these Terms
Your violation of any rights of another party
Any information you provide or submit through the Services

12. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof shall first be attempted to be resolved through good faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through mediation or, if necessary, through the courts of England and Wales.

Nothing in these Terms affects your statutory rights as a consumer where applicable.

13. Termination

We may terminate or suspend your account and access to the Services at any time, with or without cause or notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

Termination of your account does not affect your warranty policy, which is governed by the terms of your policy and your agreement with the warranty provider. You may cancel your account at any time by contacting us.

14. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on our website prior to the effective date of the changes. Your continued use of the Services after the effective date constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Us

If you have any questions about these Terms, please contact us at:

OakCover Ltd
Company No. 16948043
Email: legal@oakcover.co.uk