Terms of Service

2.1. Self-Help Tool

Divvio is a self-help document preparation tool. We provide a platform for you to input your financial information and generate a Form E (Financial Statement) in a PDF format suitable for family court proceedings in England and Wales.

2.2. Not a Solicitor

We are not solicitors, barristers, or legal advisors. We are not regulated by the Solicitors Regulation Authority (SRA). The content, guidance, and "AI Co-pilot" features provided are for informational purposes only and do not constitute legal advice.

2.3. No Client-Lawyer Relationship

Use of Divvio does not create a solicitor-client relationship. Your communications with us are not protected by legal professional privilege.

2.4. User Responsibility

You are solely responsible for:

• The accuracy, truthfulness, and completeness of the data you enter.
• The legal consequences of filing your Form E with the court.
• Deciding whether to seek independent legal advice.

3.1. User Input

The final PDF output is a direct reflection of the data you input. We do not verify, audit, or check your data for legal sufficiency, errors, or omissions.

3.2. Formatting Guarantee

We guarantee that the layout and formatting of the PDF generated by Divvio complies with the standard Form E (01/23) specification used by the Family Court.

3.3. Rejection Remedy

If the court rejects your Form E specifically due to formatting or layout errors caused by our software, we will:

• (a) Correct the formatting error at no cost; or
• (b) Provide a full refund of the fees paid.

This is your sole and exclusive remedy for formatting issues. We are not liable for rejections based on the content of your answers, missing attachments, or procedural errors on your part.

4.1. Honest Disclosure

You acknowledge that Form E requires "full, frank, and clear disclosure" of your financial circumstances. Deliberately hiding assets or providing false information to the court is a serious offence (contempt of court) and can lead to criminal penalties. Divvio is not liable for any user who uses the Service to conceal assets.

4.2. Document Evidence

You are responsible for gathering and attaching the necessary evidence (bank statements, P60s, valuations) as indicated in the "Document Checklist." Divvio does not obtain these documents for you.

5.1. Fees

Fees for the "Solo" and "Couple Bundle" plans are payable at the point of export or account upgrade. Prices are inclusive of VAT unless stated otherwise.

5.2. Refund Policy

Outside of the "Rejection Remedy" in clause 3.3, we offer a 14-day money-back guarantee provided you have not yet downloaded the final court-ready PDF. Once the final PDF has been generated and downloaded, the service is deemed fully consumed, and no refunds will be issued unless required by consumer law.

6.1. Cap on Liability

To the maximum extent permitted by law, our total liability to you for any claims arising out of or related to these Terms or the Service (whether in contract, tort, or otherwise) is limited to the amount you paid to us for the Service.

6.2. Exclusion of Damages

We shall not be liable for:

• Any loss of assets, financial settlements, or spousal maintenance resulting from your court case.
• Any costs incurred for subsequent legal advice or solicitor fees.
• Indirect, consequential, or special damages.

6.3. AI Features

The "AI Co-pilot" provides automated suggestions based on patterns. We do not guarantee the accuracy of AI-generated text or explanations. You must verify all AI suggestions before accepting them.

7.1. Data Handling

We use bank-level encryption (AES-256) to store your data and SSL/TLS for data in transit. However, no internet transmission is 100% secure.

7.2. Data Deletion

You may request the deletion of your data at any time via your dashboard. Once deleted, your data cannot be recovered.