Terms and Conditions

1. Definitions and interpretation

In these Terms: “Thryvin”, “we”, “us” and “our” refer to the operator of this website and platform; “you” and “your” refer to the user; “Services” means the website content, analytical tools, dashboards, reports and related features; “User Content” means data, inputs and materials you provide.

Headings are for convenience only and do not affect interpretation. If any provision is found unenforceable, the remaining provisions continue in full effect.

2. What Thryvin provides

Thryvin provides treasury intelligence tools to help directors analyse cash reserves, review downside scenarios, and organise execution workflows. Features may include reserve analysis, risk modelling illustrations, monitoring views, and educational content.

We may update, suspend, or discontinue any part of the Services at any time to maintain security, quality, or operational efficiency. We do not guarantee that any feature will remain available in its current form.

3. No investment advice; no execution

All outputs, scores, charts, and illustrative scenarios are for general information and education only. They do not constitute investment advice, financial advice, tax advice, or legal advice, and should not be treated as a personal recommendation.

You are solely responsible for your treasury decisions. You should obtain independent professional advice and conduct your own assessment before taking any action. Where execution is referenced, it is organised through your own arrangements and providers under their separate terms.

4. Eligibility and accounts

You must be at least 18 years old and legally able to enter into contracts to use the Services. You agree to provide accurate information when submitting forms or creating an account, and to keep access credentials confidential.

You are responsible for activity under your account. Notify us promptly if you suspect unauthorised use. We may suspend access if we reasonably believe these Terms have been breached or security is at risk.

5. Acceptable use

You agree not to:

• Use the Services for any unlawful purpose or in breach of applicable regulations;
• Attempt to gain unauthorised access, disrupt, or reverse-engineer the platform;
• Upload inaccurate, misleading, infringing, or harmful User Content;
• Misrepresent outputs as regulated advice or as guarantees of performance;
• Scrape, copy, or redistribute substantial parts of the Services without permission.

We may remove content or restrict access where we reasonably consider use is non-compliant or harmful to the Services or other users.

6. User Content and data

You retain rights in User Content you provide. You grant us a limited licence to process that content solely to operate, maintain, and improve the Services and to respond to your requests, in accordance with our Privacy Policy.

You confirm you have the right to share any data you submit and that it does not infringe third-party rights. Do not submit sensitive personal data beyond what is requested in our forms.

7. Fees and illustrative pricing

Any fees, plans, or pricing summaries described on this website are illustrative unless confirmed in a separate written agreement or order. Where paid features apply, applicable fees, billing terms, and cancellation terms will be presented before purchase.

Unless stated otherwise, fees exclude applicable taxes. You are responsible for charges imposed by your own banks, brokers, or providers.

8. Risk disclosure

Treasury and investment activities involve risk, including possible loss of capital, currency risk, liquidity risk, and counterparty risk. Modelled or illustrative outcomes do not predict actual results and may be based on assumptions that do not hold in practice.

You acknowledge that you use analytical outputs at your own risk and remain responsible for ensuring any strategy is suitable for your organisation’s objectives, cash-flow needs, and risk tolerance.

9. Intellectual property

The Services, including text, design, software, models, and visualisations, are owned by us or our licensors and are protected by intellectual property laws. Except for limited personal, internal business use as intended through the platform, no rights are granted to copy, modify, or create derivative works.

Thryvin and related marks may not be used without prior written consent.

10. Availability, warranties and liability

The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, or free from harmful components, or that analytical outputs will be complete or current. To the extent permitted by law, our total liability arising from use of the Services is limited to the amounts paid by you for the Services in the 12 months before the claim, or a nominal amount where no fees were paid. Nothing in these Terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence or for fraud.

11. Third-party links and providers

The Services may reference third-party websites, tools, or providers for convenience. We do not control and are not responsible for third-party content, terms, or practices. Your dealings with third parties are solely between you and those parties.

12. Suspension and termination

We may suspend or terminate access if you breach these Terms, if required for legal or security reasons, or if we discontinue the Services. You may stop using the Services at any time. Sections that by their nature should survive — including intellectual property, disclaimers, and liability limits — will survive termination.

13. Changes to these Terms

We may update these Terms from time to time. The version published on this page at the time of use will apply. Material changes will be indicated by updating the date above. Continued use after changes take effect constitutes acceptance of the revised Terms.

14. General provisions

These Terms, together with the Privacy Policy and any separate written agreement, constitute the general understanding regarding use of the website. If any part is held invalid, it will be modified to the minimum extent necessary and the remainder will continue. Failure to enforce any right does not constitute a waiver. You may not assign your rights without our consent; we may assign ours in connection with a reorganisation or transfer of business.

This draft does not specify governing law or jurisdiction. Those provisions should be confirmed with qualified counsel to reflect your operating jurisdiction before final use.