Terms of Service

These Terms govern your use of the website and service operated by WHATWOULDAJUDGESAY LTD (trading as “What Would a Judge Say?”), a company registered in England and Wales (Company No. 15937694) (“we”, “us”, “our”).

Contact: hello@whatwouldajudgesay.com

You may use the service only if:

• You are at least 18 years old.
• You are using the service for your own divorce or financial remedy proceedings in England and Wales, or you are a legal professional acting on behalf of a client with their informed consent.
• You have the legal capacity to enter into a binding agreement.

The service is currently available only for proceedings in England and Wales. Family law differs materially between jurisdictions; do not use this service for proceedings in Scotland, Northern Ireland, or any other country.

SmartJudge.ai allows you to enter financial information and receive an AI-generated analysis (“SmartJudge Report”) that summarises how a court might view your financial position. The analysis:

• is generated by large language models and may contain errors or omissions;
• does not account for all facts relevant to your case;
• is not a prediction of any court outcome;
• must not be submitted to a court as evidence or legal opinion.

You are responsible for keeping your login credentials secure and for all activity under your account. Notify us immediately at hello@whatwouldajudgesay.com if you suspect unauthorised access.

You must provide accurate information. Deliberately submitting false financial data may amount to fraud and/or contempt of court in the context of Form E disclosure.

You agree not to:

• use the service to assist in concealing assets or misleading a court;
• attempt to reverse-engineer, scrape, or circumvent any technical measures;
• use automated scripts to submit data or generate reports at scale;
• share access with other individuals without our written consent (except where you are a solicitor using the service on behalf of a single named client).

Access to paid features requires a subscription. Pricing is shown at checkout. Subscriptions renew automatically unless cancelled before the renewal date. Refunds are available within 14 days of purchase if you have not generated a SmartJudge Report, in line with your statutory right of withdrawal under the Consumer Contracts Regulations 2013.

All software, content, and design of the service are owned by or licensed to us. You may download and print your own SmartJudge Reports for personal or legal use. You may not reproduce, distribute, or create derivative works from any other part of the service without our prior written consent.

You retain ownership of the financial data you enter. By using the service you grant us a limited licence to process that data to deliver the service and comply with our legal obligations.

The service is provided “as is” and “as available”. To the extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any report will be accurate or complete.

To the fullest extent permitted by applicable law, our total liability to you in connection with the service shall not exceed the greater of (a) the amount you paid us in the 12 months before the claim arose or (b) £100.

We are not liable for indirect, consequential, or special loss, including loss of profits, loss of data, or damage to reputation, even if we have been advised of the possibility of such loss.

Nothing in these Terms limits or excludes 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 by English law.

You may close your account at any time via the “My Information” section. We may suspend or terminate your access if you breach these Terms, with or without notice depending on the severity of the breach. On termination, your right to use the service ends immediately. We will retain and delete your data in accordance with our Privacy Policy.

We may modify the service or these Terms at any time. Material changes will be notified by email or in-app notice at least 14 days in advance. Continued use after the effective date constitutes acceptance. If you do not accept the new Terms, you may close your account before they take effect.

These Terms are governed by the law of England and Wales. Any dispute arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory consumer protection laws in your country of residence give you the right to bring a claim in your local courts.

For any questions about these Terms, contact us at hello@whatwouldajudgesay.com or by post: WHATWOULDAJUDGESAY LTD (trading as “What Would a Judge Say?”), Corner Oak, 1 Homer Road, Solihull, West Midlands, B91 3QG.