Terms of Engagement.
These terms govern your use of MarginLabs and the advisory and broking services we provide. They're written to be readable — but they are a contract, so please read them.
1 · What we do
MarginLabs reviews an eCommerce or retail business's finances, banking, store performance and digital presence, and produces a “Read” — an assessment of funding-readiness with an improvement plan. Where you ask us to, we also help you obtain finance by introducing you to lenders and credit providers, and assisting with structure and negotiation.
2 · Credit broking & regulatory status
MarginLabs is based in Ireland and offers services to customers in Ireland, the United Kingdom and the United States. Introducing customers to lenders or credit products may be a regulated activity in each of these jurisdictions, under different regimes. [CRITICAL — complete each line with your solicitor.]
| Jurisdiction | Regulator | Our status |
|---|---|---|
| Ireland | Central Bank of Ireland (credit intermediary) | [Authorised — ref / or basis of exemption] |
| United Kingdom | Financial Conduct Authority (credit broking) | [FCA authorised / Appointed Representative / status] |
| United States | State-by-state (commercial finance) | [Status per state where you operate] |
The principal of MarginLabs is an ACA-qualified chartered accountant. [State practising certificate / professional body / PII position if relevant.]
3 · Scope & what we are not
- Our Read and recommendations are commercial advice, not a guarantee of funding. Lending decisions rest with lenders.
- We are not your accountant, tax adviser, or solicitor, and nothing we provide is regulated investment, tax or legal advice. [Adjust to reflect your actual permissions.]
- Any figures, scores or projections are estimates based on the information available to us.
4 · Your responsibilities
- You confirm you are authorised to share the business data you upload.
- You agree the information you give us is accurate and complete to the best of your knowledge.
- You will not use the service for any unlawful purpose.
5 · Fees & commission
- The Read-Lite is free. Other services are charged as set out at the point of purchase or in your engagement letter.
- Where we earn a commission from a lender on a completed facility, we disclose the amount to you in writing before you commit.
- [State refund terms — e.g. the full Read fee is refunded if you take a retainer within X days.]
6 · Your data
How we handle your data is set out in our Privacy Policy. You can exercise your data rights — including deletion — any time via our Data Rights page.
7 · Liability
[Complete with your solicitor.] Typically: nothing in these terms limits liability for death, personal injury caused by negligence, fraud, or anything that cannot lawfully be excluded; subject to that, our total liability is limited to [e.g. the fees you paid us in the preceding 12 months], and we are not liable for indirect or consequential loss.
8 · Term & termination
You may stop using the service at any time and ask us to delete your data. Either party may end an engagement as described in your engagement letter. [Set notice periods for retainers.]
9 · Governing law
These terms are governed by the laws of [Ireland], and disputes are subject to the exclusive jurisdiction of its courts. Where mandatory consumer or regulatory protections apply in a customer's own country (UK or US), nothing here removes them.