Website Terms of Use

Last updated: 12 October 2026

These Website Terms of Use (“Terms”) govern your use of www.qashivo.com and any associated public websites operated by Nexus KPI Limited, trading as Qashivo (“Qashivo”, “we”, “us” or “our”).

Please read these Terms carefully before using our website.

By accessing or using the website, you agree to these Terms. If you do not agree, you should stop using the website.

These Terms apply to the public website only. Separate contractual terms may apply if you subscribe to, pilot or otherwise use Qashivo, Qonfirm or other products or services supplied by us.

1. About Us

This website is operated by:

Nexus KPI Limited, trading as Qashivo

Company number: 16170050

Registered office: 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX

Registered in: England and Wales

Website: https://www.qashivo.com

Email: hello@qashivo.com

Nexus KPI Limited is a private limited company registered in England and Wales.

2. About Our Website

Our website provides information about Nexus KPI Limited and its products and services, including:

Qashivo — AI-powered credit-control technology designed primarily for small and medium-sized businesses (SMEs).

Qonfirm — independent debt-verification technology designed for the Invoice Finance marketplace.

The website may include information about product functionality, demonstrations, videos, pricing, pilot opportunities, integrations, technology and other commercial information.

Except where expressly stated otherwise, website content is provided for general information and marketing purposes.

3. These Terms Do Not Govern Use of Our Software

These Terms relate only to your use of the public website.

If you become a customer, pilot participant, partner or user of Qashivo or Qonfirm, your use of those services may be governed by separate agreements, including:

Service terms.
Subscription agreements.
Pilot agreements.
Data-processing agreements.
Order forms.
Acceptable-use policies.
Commercial terms.

If there is any conflict between these Website Terms and a specific written agreement governing our products or services, the specific agreement will take priority in relation to those products or services.

4. Access to the Website

We provide access to our website on a temporary basis.

We may update, withdraw, restrict, suspend or change all or part of the website without notice where reasonably necessary.

We do not guarantee that the website will always be available, uninterrupted, error-free or fully up to date.

Certain features or sections may be restricted where appropriate.

5. Permitted Use

You may use our website for lawful business and informational purposes.

You must not:

Use the website unlawfully, fraudulently or deceptively.
Attempt to gain unauthorised access to our website, servers, databases or connected systems.
Knowingly introduce viruses, malware or other harmful material.
Interfere with website functionality or security.
Attempt to bypass security controls.
Use automated systems to scrape, harvest or extract substantial amounts of website content without permission.
Impersonate another person or organisation.
Use the website to transmit unlawful, misleading, abusive or harmful information.
Reproduce or commercially exploit website content without permission, except where permitted by law.

AI Training and Automated Crawling

Except where expressly permitted by law, you must not, without our prior written permission:

Use website content to train, fine-tune or evaluate artificial-intelligence or machine-learning models.
Extract website materials, product workflows, software interfaces or proprietary product descriptions for AI model development.
Deploy automated crawlers or agents to collect website content for those purposes.

We reserve the right to restrict or block access where we reasonably believe these Terms have been breached.

6. Intellectual Property

Unless otherwise stated, Nexus KPI Limited owns or licenses the intellectual-property rights in the website and its content.

These include, where applicable:

Qashivo and Qonfirm names and branding.
Charlie and Riley product names and personas.
Logos and graphics.
Product interfaces.
Videos and animations.
Website design and written materials.
Software demonstrations.
Reports and documentation.
Proprietary processes and workflows.

All applicable intellectual-property rights are reserved.

You may view, download or print reasonable portions of website content for your internal business or informational purposes.

You must not reproduce, modify, distribute, republish, sell, license or commercially exploit our content without prior written permission, except where permitted by law.

Trade Mark Status

Qashivo, Qonfirm, Charlie and Riley are names and branding used in connection with products and services developed or provided by Nexus KPI Limited.

Qashivo and Qonfirm are not currently registered UK trade marks.

Nothing in these Terms represents that either name holds registered trade mark status.

Nexus KPI Limited reserves its applicable intellectual-property rights, including rights arising through use, copyright and other protections available under law.

Nothing on this website grants permission to use our names, logos, branding, designs or other intellectual property without our prior written consent, except where permitted by law.

The registered trade mark symbol (®) must not be used for Qashivo or Qonfirm unless the applicable registration is confirmed.

7. Product Descriptions and Demonstrations

We aim to describe our products accurately.

However, website content, videos, demonstrations, screenshots, prototypes and illustrations may show:

Current functionality.
Planned functionality.
Illustrative functionality.
Example data.
Features that may change during product development.

Such materials should not be treated as contractual commitments that particular features, integrations or capabilities will always be available.

Product specifications and functionality may change as our technology develops.

Any binding commitments concerning functionality, performance or service levels will be contained in the relevant commercial agreement.

8. Illustrative Information and Figures

Website demonstrations, product screenshots, explainer videos, sample dashboards and illustrative reports use example, synthetic or appropriately anonymised data.

These materials are intended to demonstrate product functionality and do not identify real customers, debtors or invoices.

Any financial figures, portfolio metrics, performance indicators or examples are illustrative unless expressly identified otherwise.

Illustrative material must not be interpreted as:

Actual customer results.
Guaranteed future performance.
Guaranteed reductions in bad debt or financial risk.
Guaranteed improvements in cash collection.
Financial forecasts.
Evidence that all customers will achieve similar outcomes.

Actual results depend on individual circumstances, customer behaviour, portfolio characteristics, data quality and other relevant factors.

9. No Financial, Credit or Legal Advice

General product and marketing information on our website is provided for informational purposes.

Nothing in that general information constitutes or should be relied upon as:

Financial advice.
Investment advice.
Legal advice.
Accounting advice.
Tax advice.
Credit advice.
A recommendation regarding whether credit or finance should be provided, withdrawn or varied.

Credit, lending and commercial decisions remain the responsibility of the relevant business, lender or professional decision-maker.

You should obtain appropriate independent professional advice where necessary.

Investment Information

General information on this website does not constitute an offer or invitation to invest in Nexus KPI Limited.

Information relating to investment opportunities in Nexus KPI Limited, including opportunities intended to qualify under the Seed Enterprise Investment Scheme (SEIS), is made available separately through restricted-access investor pages.

Access to these pages requires an authorised login.

Any investment-related communications are subject to applicable requirements under the Financial Services and Markets Act 2000 and relevant financial-promotion legislation.

Where required, such communications must be approved by an appropriately authorised person or qualify for an applicable exemption.

Investment communications are subject to their own terms, eligibility requirements, risk disclosures and applicable regulatory conditions.

Access to restricted investor materials does not, by itself, establish investor eligibility or regulatory compliance.

Nothing in these general Website Terms overrides the specific terms or legal requirements applicable to an investment communication.

10. Qonfirm and Verification Information

Qonfirm is designed to assist Invoice Finance providers with independent debt verification and structured reporting.

Verification responses, portfolio indicators, alerts, classifications and related information are intended to support the lender's own processes.

They are not a substitute for:

Underwriting.
Credit assessment.
Fraud prevention controls.
Due diligence.
Audit requirements.
Regulatory obligations.
Professional judgement.

The relevant lender remains responsible for its own lending, credit and risk decisions.

11. Qashivo and Credit Control

Qashivo is designed to assist SMEs with credit-control processes, customer communications and outstanding receivables.

Use of Qashivo does not guarantee:

That any invoice will be paid.
Payment by a particular date.
That a debtor will respond.
Resolution of disputes.
Prevention of bad debt.
A particular improvement in cashflow or collection performance.

Customers remain responsible for their underlying commercial relationships, invoices and business decisions.

12. Artificial Intelligence and Automated Functionality

Our products may incorporate artificial intelligence and automated technologies.

Website demonstrations and descriptions may refer to functionality including:

Automated communications.
AI voice follow-up.
Response classification.
Workflow prioritisation.
Payment-intent capture.
Exception identification.
Automated process management.

AI-generated and automated outputs may not always be complete, accurate or appropriate in every circumstance.

Appropriate human oversight should be maintained where decisions or actions may materially affect customers, debtors or other parties.

Further information about the processing of personal data through our AI systems is provided in our Privacy Policy.

13. Pricing

Where pricing is displayed on the website, it is provided for general commercial information unless expressly stated otherwise.

Prices may:

Be indicative or starting prices.
Exclude VAT or other applicable taxes.
Depend on usage, volume, configuration or product tier.
Be subject to separate commercial terms.
Change from time to time.

Unless expressly stated otherwise, prices displayed for business customers exclude VAT where applicable.

A binding price will normally be confirmed in the relevant quotation, order form, subscription agreement or other written commercial agreement.

14. Links to Third-Party Websites

Our website may contain links to websites or services operated by third parties.

These links are provided for convenience or information.

We do not control third-party websites and are not responsible for their:

Content.
Availability.
Security.
Privacy practices.
Products or services.
Information they provide.

The inclusion of a link does not necessarily mean that we endorse the third-party organisation or its products or services.

You should review the applicable terms and privacy policies of third-party websites before using them.

15. Links to Our Website

You may link to our homepage in a fair and lawful manner.

You must not:

Misrepresent your relationship with us.
Suggest an association, approval or endorsement where none exists.
Damage our reputation through misleading use of our branding.
Place our website within another website's frame without permission.

We may request the removal of a link where we reasonably believe it is misleading, harmful or inappropriate.

16. Privacy and Cookies

Our processing of personal information is explained in our Privacy Policy.

Our use of cookies, website analytics and related technologies is governed by our Privacy Policy and any applicable cookie notice or consent mechanism.

Where legally required, we will seek consent before using non-essential cookies or tracking technologies.

Visitors should review the Privacy Policy for further information.

17. Security

We take reasonable technical and organisational steps to protect the security of our website.

However, no website or internet transmission can be guaranteed completely secure.

You are responsible for using appropriate security measures on your devices and protecting any login credentials you use.

Responsible Security Disclosure

We welcome responsible reports of suspected security vulnerabilities.

If you identify a potential security issue relating to our website or services, please contact:

hello@qashivo.com

Please provide sufficient information to allow us to investigate the issue.

We ask researchers to act in good faith, avoid disruption, respect personal information and refrain from accessing or disclosing data beyond what is reasonably necessary to demonstrate the issue.

We will not pursue legal action against good-faith security researchers solely for responsible vulnerability reporting conducted within the scope of an applicable published disclosure policy and the law.

18. Availability and Accuracy of Information

We take reasonable care to maintain accurate and current website information.

However, we do not guarantee that all information will always be complete, current, error-free or suitable for a particular purpose.

Website information should not be relied upon as the sole basis for significant financial, legal, credit or commercial decisions.

Where appropriate, you should obtain professional advice or seek confirmation directly from Qashivo.

19. Our Responsibility for Loss or Damage

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

This includes liability for:

Fraud or fraudulent misrepresentation.
Death or personal injury caused by negligence.
Any other liability that cannot lawfully be excluded or limited.

Subject to these protections, and to the maximum extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.

We do not accept responsibility for loss or damage arising from or in connection with:

Reliance on general website information.
Temporary website unavailability.
Third-party websites or services.
Unauthorised access outside our reasonable control.
Harmful software introduced by third parties.
Decisions based on illustrative content or demonstrations.

To the extent permitted by law, we exclude liability for indirect or consequential loss and for loss of profits, revenue, business opportunities, anticipated savings, data or goodwill arising from or in connection with use of the website.

These exclusions and limitations are subject to any mandatory legal rights that cannot be excluded.

20. Business Users

Our website and products are principally intended for businesses and professional users.

If you use the website on behalf of a company, partnership or other organisation, you confirm that you have the authority to act on its behalf.

A sole trader using the website wholly or mainly for business purposes is treated as a business user for the purposes of these Terms, subject to any mandatory legal protections that apply.

Nothing in these Terms removes rights that cannot lawfully be excluded.

21. Changes to These Terms

We may update these Terms periodically to reflect:

Website changes.
Product developments.
Legal or regulatory requirements.
Changes to our operations or business practices.

The latest version will be published on the website with its effective date.

Updated Terms will apply to subsequent use of the website, subject to applicable law.

22. Suspension or Termination

We may suspend or terminate access to our website where we reasonably believe that:

These Terms have been breached.
Website use creates a security risk.
Continued access may harm us or another person.
Suspension is required by law.

Any provisions intended to continue after termination, including intellectual-property protections and applicable liability provisions, will continue to apply.

23. General Provisions

Severability

If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions will continue to apply.

No Waiver

Failure or delay by Nexus KPI Limited to enforce a provision of these Terms does not constitute a waiver of that provision or any other right.

Entire Agreement

These Terms constitute the agreement governing use of the public website, subject to applicable law and any additional terms expressly governing a particular website feature.

They do not replace separate agreements governing our software, services, commercial relationships or investment communications.

Information Submitted Through the Website

When submitting information through contact forms, demonstration requests or other website features, you agree to provide information that is accurate to the best of your knowledge.

We may use submitted information to respond to your enquiry, administer your request and communicate with you in accordance with our Privacy Policy.

24. Governing Law and Jurisdiction

These Terms, their subject matter and formation are governed by the laws of England and Wales.

For users acting in a business capacity, the courts of England and Wales will have exclusive jurisdiction over disputes arising from or relating to these Terms or use of the website.

Nothing in these Terms removes mandatory rights or protections that apply to individuals under applicable law.

25. Contact Us

If you have any questions about these Terms or our website, please contact: