Skip to main content

Legal

Terms of Use

Last updated: 7 July 2026

1. Who we are and what these terms cover

These terms of use (“Terms”) govern your access to and use of the website located at klyfton.io, including its subdomains and any content, features, or functionality made available through it (together, the “Site”).

The Site is operated by Klyfton OS Ltd, a company registered in England and Wales (Company No. 17253114) with its registered office at 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom (“Klyfton”, “we”, “us”, “our”).

By accessing or using the Site, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must not use the Site.

These Terms apply to the Site only. If and when you register for or use the Klyfton platform or any Klyfton products or services, separate terms of service, and where applicable the terms of our regulated partners, will apply to that use and will be presented to you at the relevant time.

2. Important notice — no financial services provided via this Site

The Site is provided for informational purposes, to describe the Klyfton platform, and to allow you to register interest (for example, by joining a waitlist).

  • Klyfton is a software provider. Klyfton is not a bank, and nothing on the Site constitutes an offer of banking, payment, e-money, investment, or other regulated financial services by Klyfton.
  • Where the Klyfton platform involves the movement or holding of funds, those activities are carried out by duly authorised and regulated partner institutions, not by Klyfton. Klyfton does not hold customer funds.
  • Nothing on the Site constitutes financial, investment, tax, accounting, or legal advice, or a recommendation to take any particular course of action. You should obtain independent professional advice before making financial decisions.

Any figures, screenshots, dashboards, balances, or performance examples shown on the Site are illustrative only and do not represent real customer accounts or guaranteed outcomes.

3. Eligibility

The Site is intended for users who are at least 18 years of age. By using the Site, you represent that you are 18 or older and have the legal capacity to enter into these Terms. The Site is not directed at any person in any jurisdiction where such use would be contrary to local law or regulation.

4. Waitlist and communications

The Site may allow you to submit your details to join a waitlist or receive updates about Klyfton. By doing so, you confirm the information you provide is accurate and relates to you, and you consent to us contacting you about the Klyfton platform in accordance with our Privacy Policy. Joining the waitlist does not create any entitlement to access the Klyfton platform, and we may accept or decline applications at our discretion.

5. Your privacy

We process personal data in accordance with our Privacy Policy [link], which explains what data we collect through the Site, how we use it, and your rights under applicable data protection law, including the UK GDPR. By using the Site, you acknowledge that you have read the Privacy Policy.

6. Intellectual property

We are the owner or licensee of all intellectual property rights in the Site and its content, including the Klyfton name, the KLYFT/ON wordmark, the K-mark logo, and all designs, text, graphics, software, video, and other materials on the Site. These works are protected by copyright, trade mark, and other laws around the world. All such rights are reserved.

You may view, download, and print pages from the Site for your personal, non-commercial use, provided you do not modify the materials and you retain all proprietary notices. You must not otherwise reproduce, distribute, adapt, or create derivative works from any part of the Site without our prior written consent.

7. Acceptable use

You may use the Site only for lawful purposes. You must not:

  • use the Site in any way that breaches applicable law or regulation, or that is fraudulent or harmful;
  • attempt to gain unauthorised access to the Site, the servers on which it is hosted, or any connected system, or interfere with its proper working (including by introducing viruses or other malicious code);
  • scrape, harvest, or systematically extract data from the Site, including through automated tools, bots, or crawlers, except as permitted by law;
  • misrepresent your affiliation with Klyfton, or use our name or branding in a way likely to cause confusion; or
  • copy or imitate the Site’s design, branding, or content for a competing product or service.

We may suspend or withdraw your access to the Site, without notice, if you breach these Terms.

8. Feedback

If you send us ideas, suggestions, or feedback about Klyfton or the Site, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback for any purpose, without any obligation or compensation to you.

9. Third-party links and content

The Site may contain links to third-party websites, resources, or services. These links are provided for your information only. We have no control over, and accept no responsibility for, the content, availability, or practices of third-party sites, and a link does not imply our endorsement.

10. Availability and changes to the Site

The Site is provided free of charge and on an “as is” and “as available” basis. We do not guarantee that the Site, or any content on it, will always be available, uninterrupted, or error-free. We may update, change, suspend, or withdraw all or any part of the Site at any time without notice, including as the Klyfton platform develops. Content on the Site may be out of date at any given time, and we are under no obligation to update it.

11. Disclaimer of warranties

To the fullest extent permitted by law, we exclude all conditions, warranties, representations, and other terms which might otherwise be implied in relation to the Site, whether by statute, common law, or otherwise, including any implied warranties of accuracy, completeness, satisfactory quality, or fitness for a particular purpose.

12. Limitation of liability

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under English law.

Subject to the paragraph above, to the fullest extent permitted by law:

  • we exclude all liability for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising out of or in connection with your use of, or inability to use, the Site or any reliance on content displayed on it;
  • if you use the Site in the course of business, we exclude in particular any liability for loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill, or reputation; or any indirect or consequential loss; and
  • if you use the Site as a consumer, you agree not to use the Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

13. Indemnity

If you use the Site in breach of these Terms, you agree to indemnify us against any losses, liabilities, costs, and expenses (including reasonable legal fees) we incur as a result of that breach, to the extent permitted by law.

14. Changes to these Terms

We may amend these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date, and takes effect when posted. Please check this page periodically; your continued use of the Site after changes are posted constitutes acceptance of the amended Terms.

15. General

  • Entire agreement. These Terms, together with the Privacy Policy and any other documents expressly referred to in them, constitute the entire agreement between you and us in relation to your use of the Site.
  • Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
  • No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
  • Assignment. You may not transfer your rights or obligations under these Terms. We may transfer ours to another organisation, and will notify you if this happens.
  • Third-party rights. These Terms do not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 enforceable by anyone who is not a party to them.

16. Governing law and jurisdiction

These Terms, their subject matter, and their formation are governed by the laws of England and Wales. The courts of England and Wales will have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms or the Site, except that if you are a consumer resident elsewhere in the United Kingdom or in the European Union, you may also be entitled to bring proceedings in, and rely on mandatory consumer protections of, your country of residence.

17. Contact

Questions about these Terms or the Site can be directed to:

Klyfton OS Ltd

71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom

Email: founder@klyfton.io