Terms of Use

These Terms of Use ("Terms") govern your use of the LEXUN website and application at lexun.co.uk (the "Service"). By using the Service you agree to them. If you do not agree, please do not use the Service.

LEXUN is a service of CA Capital Limited, a company registered at Companies House in the United Kingdom. In these Terms, "we", "us" and "our" mean CA Capital Limited, and it is the party you contract with. It is registered in England and Wales, company number 10848369, registered office 320 Firecrest Court, Centre Park, Warrington, United Kingdom, WA1 1RG — the record at Companies House. Legal notices should be sent to hello@lexun.co.uk.

These Terms were last changed on the date at the top of this page. We keep previous versions and will send you one on request.

LEXUN is a decision-intelligence tool that produces probabilities and information to help you think. It is not financial, legal, medical or other professional advice, it is not a regulated service, and it does not guarantee any outcome. Every output is a probability, not a certainty — probability, not destiny. You remain solely responsible for your decisions.

• LEXUN does not recommend specific securities, investments or trades, and nothing it produces is a personal recommendation within the meaning of the financial services rules.
• Health-related information is non-clinical and defers to qualified professionals.
• If you are in crisis, please contact your local emergency services or a crisis line — the Service is not a substitute for professional help.

We say what the engine can and cannot do on the Accuracy page, including how we score ourselves and where the evidence is thin. If the two ever disagree, that page is the more specific description and prevails over any general statement here.

You must be at least 13 years old to use the Service. You agree not to misuse it — that includes attempting to disrupt it, circumventing its technical limits, using it unlawfully, or using it to harm others. Reverse-engineering is permitted only to the extent UK law expressly allows and cannot be excluded by contract.

Acceptable use, in particular. Because most of the Service runs on your own device, the rules are few and concrete. You may not: (a) send requests to the Copilot endpoint (/api/ask) other than through the Service’s own pages, or by automated means, since each call costs us money and is metered per person; (b) attempt to extract, reproduce or defeat the instructions given to the Copilot, or to make it produce figures it is built to refuse; (c) share, sell or forge the signed allowance or plan tokens the Service issues to your browser; (d) scrape, crawl or bulk-download the Service other than the public pages and files we publish for that purpose (the forecast ledger, the feeds, llms.txt and the sitemap), or use the published models and code beyond the licence in section 5; (e) submit the forms with content that is unlawful, abusive or not yours to send. Reading, citing and reproducing published results are encouraged and are what the published pages are for.

The Service is local-first: your decisions stay in your browser and never reach us. What we do receive, why, and how to have it deleted is set out in the Privacy Policy; every key we write to your device is listed on the Cookies & local storage page. You own the data you enter, and we claim no rights over it. There is exactly one exception to "never reach us", and it is opt-in: the assistant described in section 4B sends the messages you type into it to a third-party model provider so a reply can be produced. It never sends your decisions.

The dashboard asks you to create a LEXUN Key before it will save a decision, and before it will show you a saved record. Three things about it need saying plainly, because they are unusual and because they are not in your favour if you assume otherwise.

It is not an account. There is no server session, no user directory and nothing on our side to log in to. The Key is a passcode you choose; the Service uses it to encrypt your record on your own device (AES-256-GCM under a key derived by PBKDF2-HMAC-SHA256 at 600,000 iterations). We receive the email address you type at sign-up if you choose to give one — it is optional and the field says so — and a yes/no marketing choice, and nothing else — not the passcode, not any key derived from it, and not your data. Deleting that email address from our side does not affect your Key.

We cannot recover it, and no reset is possible. Because the passcode never leaves your device, nobody — including us — can decrypt your record without it, and there is no reset link because there is nobody to reset anything. If you forget your passcode, that record is unrecoverable. This is a consequence of the encryption being real rather than a check we could switch off, and you accept it as a condition of using the Key. Export your record if losing it would matter to you.

What it does not protect you from. A Key protects a record at rest in your browser storage. It does not protect you from someone using your device while your Key is unlocked, from malware on that device, or from a browser or operating system that has itself been compromised. Nor does it stop your browser or another person clearing that storage, which erases the record permanently.

What the Key gates, and what it does not. A Key is required to save a decision to your record, and to open every part of the dashboard that reads that record — the overview, the library, the outcomes and the settings. It is not required to frame and run a decision: you can complete a full simulation and read the result without one, because running the model writes nothing. This line has moved twice and both moves are recorded here rather than quietly made: between 30 July and 5 August 2026 a Key was required to run a decision as well, and on 5 August 2026 that half of the requirement was withdrawn, because the free-in-your-browser promise on the home page and a locked door at the start of the workflow could not both be true. Neither move changed the architecture — the simulation has always run entirely in your browser and has never transmitted anything. Reproducing a published result at /reproduce, and inspecting the calibration record at /accuracy and /verify, remain open to everyone with no Key and no email, because a claim you cannot check is not a claim. If you had saved decisions before Keys existed, the Service offers you an unencrypted export of them rather than sealing you out.

The workspace carries an optional text assistant, the Copilot: a conversation box on the sign-in screen, a box on New decision that fills the form from your own words, and three buttons under a result — Explain this result, Challenge my assumptions and, on Organisation seats, Board summary; the same intake box also stands on its own page at /agent. Its purpose is narrow: to help you frame a question the engine can score, to explain and challenge what the engine produced, and to write up a record. Four things about it are terms of use, not marketing.

It is the one feature that sends anything off your device, and it acts only when you press it. The words you type into its boxes are sent to Anthropic PBC in the United States, whose model writes the reply; when you press one of the result buttons, the engine's result summary — the band, the probability range, the scenario percentages, the names of your inputs and which are assumptions, the decision question as you wrote it and the horizon in months — is sent instead, and none of the financial figures you entered. Nothing else goes with them: not your email, your passcode, your Key, a saved decision or any input figure. We keep no copy. This is set out in full at section 3(g) of the Privacy Policy, and each box carries the same warning before you use it. Using the Copilot is your choice, and everything else on the Service works without it.

It is not advice. The assistant does not give financial, legal, tax, medical or investment advice, is instructed to refuse to, and must not be relied on as any of those. Section 2 and section 12 apply to it in full.

It is a language model, and it can be wrong. It is instructed never to invent a statistic, source or figure, and to answer "insufficient evidence" where that is the truth; on top of that instruction, every number in its reply is checked against what the engine produced and any figure it wrote on its own is removed before you see it, and the form is filled only with figures you yourself wrote. Those controls reduce the risk; they do not eliminate it. Numbers you rely on should come from the engine, whose runs are seeded, reproducible and published — not from the Copilot, which is neither. Its text is labelled as AI-written wherever it appears.

Do not put sensitive information in it. Treat it like an email to someone you do not know: no passwords, bank details, health information or other people's personal data. Three messages a day are free; Pro and Organisation seats carry larger daily allowances stated on the plans page; the allowance is counted by our server and shown on the screen. The allowances are for a person’s own use of the Service: where use is automated, shared across people, or plainly beyond one person’s decisions, we may slow or pause the Copilot for that plan and will say so on the screen; the engine, the receipts and everything else keep working, because nothing else depends on it.

The Service, its content, models and software are owned by LEXUN and protected by law. You are granted a limited, personal, non-exclusive, non-transferable licence to use the Service for your own purposes. That licence does not permit you to resell the Service, or to scrape it to build a competing product. Anything you type in, and any report you export, remains yours.

Nothing charges you unless you choose it. No card is requested at any point on the free plan, which has no run limit and never will; and the 14-day Pro trial needs no card either. No charge can occur without you deliberately going to a checkout page and confirming payment there. Payment, where it happens, is processed by Stripe Payments Europe Limited; LEXUN never receives, sees or stores your card number. There is still no account with us: running a decision needs nothing at all, and keeping one requires a LEXUN Key — a passcode that encrypts your record on your own device, described in section 4A — which costs nothing and is not an account.

How we know you hold a plan. When a checkout completes, Stripe tells this site and the site hands your browser a signed token that names your plan and expires after thirty days. Every time you open the workspace the plan is confirmed against Stripe again; nothing stored in your browser is ever treated as proof of payment. If Stripe cannot be reached, your last confirmed plan stands for seven days rather than being withdrawn. The token can be moved to another device by opening the link in any Stripe receipt, or by asking for a sign-in link by email from the plans page.

When a plan ends. Whether you cancel, a trial ends without a card, or a payment fails beyond Stripe’s retry period, nothing you saved is deleted or locked. Every decision, forecast, outcome and score stays readable on the free plan; the features that belong to the paid plan — the unlimited ledger beyond three saved decisions, the PDF Decision Record, the sealed export package and the calibration view — pause until a plan is held again, and the plain JSON rescue export of your own data is available on every plan at all times.

The trial. Pro can be tried for 14 days without a card. The workspace shows the days remaining. If you add a card before the trial ends, Pro continues at the price shown at checkout and Stripe emails you the date and amount in advance; if you do not, the trial simply ends and nothing is charged. A trial is offered once per email address.

VAT. LEXUN is not currently registered for VAT, so none is added today. If and when it becomes registered, Stripe Tax will add VAT at checkout where it is due: prices shown to consumers will then be stated inclusive of VAT, business customers will be able to enter a VAT number at checkout, and the VAT treatment will be shown before you pay, as the law requires.

How payment works. Checkout is a Stripe page that accepts cards, Apple Pay and Google Pay. You will see the total price, the billing frequency and the date of the first renewal before you confirm, on the payment page itself. Organisation seats are bought per seat in any quantity; adding or removing seats part-way through a period is prorated by Stripe and shown to you before you confirm the change. From ten annual seats an order form and invoice are available instead of a card.

Changing or cancelling. Settings → Manage plan in the workspace opens the Stripe billing portal, where you can change plan, change card, change seat count, download invoices or cancel, each in one step. The portal is also reachable from the link in any Stripe receipt.

Failed payments. If a renewal payment fails, Stripe retries it and emails you; your plan continues during that retry period. If the payment cannot be collected, the subscription ends and the “when a plan ends” paragraph above applies: nothing is deleted.

Price changes. We will not change the price of a subscription you already hold during a billing period. For any change taking effect at your next renewal we will email you at least 30 days beforehand, and you may cancel before it takes effect and pay nothing more.

If you are a consumer — an individual buying for purposes outside your trade, business, craft or profession — the Consumer Rights Act 2015 gives you statutory rights that these Terms cannot reduce. In summary:

• Digital content we supply must be of satisfactory quality, fit for any particular purpose you told us about before buying, and as described. If it is not, you are entitled to a repair or replacement, and if that is impossible or not done within a reasonable time and without significant inconvenience, to a price reduction of up to the full amount.
• If we fail to supply the digital content at all, you are entitled to a refund of what you paid for it.
• Any service element must be carried out with reasonable care and skill, within a reasonable time, and for a reasonable price where none was agreed. If it is not, you can require repeat performance or a price reduction.
• Information we give you about the Service, and about us, is binding where you rely on it.
• If digital content we supply damages your device or other digital content, and we have not used reasonable care and skill, you are entitled to a repair or to compensation.

Nothing in these Terms is intended to exclude or restrict any of that. Under Part 2 of the Consumer Rights Act 2015 a term that creates a significant imbalance to your detriment is not binding on you, and a term must be transparent and prominent to be relied on at all. If any clause below is read as cutting into your statutory rights, treat it as not applying to you.

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you have 14 days from the day after a subscription contract is concluded to change your mind and cancel it, for any reason or none, and get your money back.

How to cancel. Tell us before the 14 days are up, by any clear statement — Settings → Manage plan in the workspace (which opens the Stripe billing portal), the link in any Stripe receipt, or an email to hello@lexun.co.uk saying you are cancelling. You do not have to give a reason, and we will not ask for one. You may use these words, or your own:

To LEXUN, hello@lexun.co.uk — I hereby give notice that I cancel my contract for the supply of the following service: [plan name]. Ordered on [date]. Name: [your name]. Address: [your address]. Date: [today's date].

Your refund. We will refund you within 14 days of being told you are cancelling, using the same payment method you used, with no fee for doing so. Sending the message before the deadline is enough — it does not matter when it reaches us.

After the 14 days. You can still cancel at any time. Your paid features continue to the end of the billing period you have already paid for, and you are not charged again. We do not lock you into a minimum term, we do not charge an exit fee, and cancelling never removes your access to the free engine or to the data on your device.

The 14-day right in section 8 is unconditional. Separately from it, and separately from your statutory rights in section 7, we will refund you where the Service did not do what we said it would. If you think that has happened, email hello@lexun.co.uk describing what went wrong; we will respond within 5 working days and, where a refund is due, pay it within 14 days of agreeing it. We would rather refund a disappointed user than argue with one.

Subscriptions renew automatically at the end of each billing period so that access does not lapse, unless you cancel first. We will email you a reminder at least 7 days before an annual subscription renews, stating the amount and the date. Cancelling is one action in the app — Settings → Manage plan opens the Stripe billing portal, where cancel is a button — and we will not make you telephone anyone, complete a form, or explain yourself; there is no retention obstacle between you and it.

We aim to keep the Service available but do not promise uninterrupted access, and we may change, suspend or withdraw parts of it. Because the engine runs in your browser, a LEXUN outage does not delete anything you have already stored on your device.

We may update these Terms. If a change is material and you hold a paid subscription, we will email you at least 30 days before it takes effect, and you may cancel free of charge if you do not accept it. For free use, continued use after a change means acceptance — but a change will never apply retrospectively to something that already happened.

Suspending or ending your access. We may suspend or end your access to the paid features and the Copilot if you break section 3 or section 4B in a way that is serious, or repeated after we have asked you to stop, or if we are required to by law. Where we can, we will tell you what the problem is first and give you a reasonable chance to put it right; where we cannot, we will tell you as soon as we are able. If we end a paid plan for a reason other than your breach, we will refund the unused part of the period you have paid for, pro rata. If we end it for your breach, the paid period runs to its end and is not refunded, and section 9 still applies to anything the law entitles you to. Ending your access never deletes what is stored on your device: your Key, your decisions and your receipts are yours and stay where they are, and everything on the Service that needs no plan keeps working.

Ending it yourself. You can stop using the Service at any time. A paid plan is cancelled as section 10 describes; a LEXUN Key is deleted from Settings on the device that holds it; and section 10 of the Privacy Policy describes your rights, including how to have anything we hold about you deleted.

Beyond the statutory quality standards in section 7, the Service is provided "as is" and "as available", and we do not give warranties of any other kind. Probabilistic estimates may be wrong; that is the nature of a probability, and it is why we publish how often ours turn out right rather than claiming they always are. This section does not apply to the rights described in section 7 and does not limit them.

We never exclude, and cannot exclude, liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any breach of the statutory rights set out in section 7; or anything else that the law does not permit to be excluded or limited.

If you are a consumer: we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these Terms or failing to use reasonable care and skill. We are not responsible for loss that is not foreseeable. We are not liable for business losses — if you use the Service for any commercial purpose, the business paragraph below applies instead.

If you are a business: to the fullest extent permitted by law we exclude liability for indirect, incidental, special or consequential loss, loss of profit, loss of business, loss of goodwill and loss of anticipated savings; and our total liability arising out of or in connection with the Service is limited to the greater of the amount you paid us in the 12 months before the claim, or £100.

In every case, the decision is yours. LEXUN produces an estimate for you to weigh; acting on it is your own judgement, and we are not liable for the outcome of a decision you took.

If something has gone wrong, email hello@lexun.co.uk. We will acknowledge within 2 working days and give you a substantive answer within 10 working days, or tell you why we need longer.

Alternative dispute resolution. We are required to tell you our position on ADR, so plainly: LEXUN is not a member of an alternative dispute resolution scheme and is not obliged to use one, so if we cannot settle a complaint between us we will not be referring it to an ADR body. That does not leave you without a route. Free, independent consumer advice is available from the Citizens Advice consumer service on 0808 223 1133 (English) or 0808 223 1144 (Welsh), or at citizensadvice.org.uk/consumer — and you can always bring a claim in court.

A complaint about how we handle your personal data goes to a different regulator, and you can take it there directly: see the Privacy Policy for the ICO's details.

If a clause turns out to be unenforceable

Each clause of these Terms operates separately. If a court decides any of them is unlawful or unenforceable, the rest continue in force, and the offending clause is cut back only so far as is needed to make it lawful.

Delay is not waiver

If we do not insist immediately that you do something you are required to do, or delay in taking steps against you, that does not mean we have given up the right and does not prevent us acting later.

Third parties

These Terms are between you and us. Nobody else has any right to enforce them under the Contracts (Rights of Third Parties) Act 1999.

Events outside our control

We are not liable for a failure to perform caused by an event beyond our reasonable control — for example a failure of the public internet, of our hosting provider, or of a payment processor. If one occurs we will tell you and, where a paid service is affected for a material period, you may cancel and be refunded for what you did not receive.

Transferring this agreement

We may transfer our rights and obligations under these Terms to another organisation — for example on a sale of the business. We will tell you in writing if that happens, it will not reduce your rights, and if you are unhappy you may cancel and be refunded for any period you have paid for and not used. You may not transfer your rights to anyone else without our written agreement.

These Terms and any dispute arising from them are governed by the law of England and Wales.

If you are a consumer, nothing in this section deprives you of the protection of the mandatory consumer law of the country where you live. You may bring proceedings in the courts of England and Wales, and if you live in Scotland or Northern Ireland you may instead bring them in the courts of your own part of the United Kingdom.

If you are a business, the courts of England and Wales have exclusive jurisdiction.

Everything: hello@lexun.co.uk. Data protection and rights requests: privacy@lexun.co.uk. There is also a contact form, which reaches the same person.