Terms of Service

Last updated: 10 April 2026

These Terms of Service (“Terms”) govern your access to and use of the APEX Capitals platform and associated services (collectively, the “Service”) provided by APEX Capitals Ltd (“APEX”, “we”, “us”, or “our”), a company incorporated in England and Wales (company number 15842937) with its registered office at 71–75 Shelton Street, London, WC2H 9JQ.

By creating an account, subscribing to a plan, or otherwise using the Service, you (“Customer”, “you”, or “your”) agree to be bound by these Terms. If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, in which case “you” and “your” refers to that entity.

1. Acceptance of terms

Your use of the Service constitutes your acceptance of these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must not access or use the Service.

These Terms constitute the entire agreement between you and APEX regarding the Service, and supersede all prior agreements, representations, and understandings, whether oral or written, relating to the same subject matter — except where you have entered into a separate Enterprise Agreement or Master Services Agreement with APEX, in which case the terms of that agreement shall prevail to the extent of any conflict.

2. Description of service

APEX Capitals is a cloud-based portfolio intelligence platform built for UK asset managers. The Service enables organisations to track, analyse, and optimise portfolios of property assets, business holdings, and financial instruments. Core capabilities include:

• Multi-class asset registry with lifecycle tracking and financial modelling
• Automated KPI generation, P&L reporting, cash flow forecasting, and budget management
• AI-powered portfolio monitoring with configurable alert templates
• Document management with compliance deadline tracking
• Private exchange for off-market buy/sell/lease matching
• Lending connections and exit strategy tools
• Integrations with third-party accounting, banking, and property data services
• CRM, communications, and workflow automation tools

APEX reserves the right to add, modify, or discontinue features of the Service at any time. Where a feature that you rely upon is to be discontinued, we will provide at least 90 days' notice. We do not guarantee that any specific feature listed above will be available in all subscription tiers.

3. Account registration & security

To use the Service, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the accuracy of your account information and for updating it promptly if it changes.

APEX operates a multi-tenancy architecture. Each paying Customer organisation occupies an isolated tenancy — your data is logically separated from all other Customers' data. Access controls prevent cross-tenancy data access. You are responsible for managing user access within your tenancy.

You must designate at least one administrator account for your organisation. Administrator accounts have full access to your tenancy's data, users, and settings. You are responsible for:

• Maintaining the confidentiality of all account credentials, including passwords and API keys
• Ensuring that all users authorised to access your tenancy comply with these Terms
• Promptly notifying APEX at hello@apexcapitals.co.uk if you become aware of any unauthorised access to your account
• All activities that occur under your account, whether or not authorised by you

APEX will not be liable for any loss or damage arising from your failure to comply with these security obligations.

4. Subscription & billing

Access to the Service is provided on a subscription basis. Subscriptions are available on monthly or annual billing cycles. Annual plans are invoiced in full at the start of each subscription year and offer a discounted rate relative to monthly billing.

Free trial

New Customers may access the Service on a 14-day free trial with no credit card required. Trial accounts have access to the full feature set of the Professional plan. At the end of the trial period, your account will be downgraded unless you select a paid plan. Data created during the trial will be retained for 30 days following downgrade, after which it will be permanently deleted unless you subscribe.

Auto-renewal

Subscriptions renew automatically at the end of each billing period at the then-current rate for your plan. APEX will provide at least 30 days' advance notice of any price changes before they affect your renewal. Your continued use of the Service after the price change takes effect constitutes acceptance of the new price.

Cancellation

You may cancel your subscription at any time from the account settings page. Cancellation requires 30 days' written notice to take effect. If you cancel, your subscription will remain active until the end of the then-current billing period, after which your account will be downgraded to a limited read-only state. You will not be charged for subsequent periods.

Refunds

All fees are payable in advance and are non-refundable except where required by law. We do not issue refunds for partial months or unused portions of an annual plan, except in the case of: (a) a material breach of these Terms by APEX that we fail to remedy within 30 days of notice; or (b) a service outage exceeding the uptime SLA for which credits are the agreed remedy.

Late payment

If payment is not received within 14 days of the invoice due date, APEX reserves the right to suspend access to the Service. Access will be restored promptly upon receipt of outstanding payments. Interest may be charged on overdue amounts at the rate prescribed by the Late Payment of Commercial Debts (Interest) Act 1998.

5. Acceptable use

You may use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service to process, store, or transmit any data in breach of applicable law, including the UK GDPR, the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017, or any other financial services regulation applicable to your business
• Attempt to gain unauthorised access to any part of the Service, another Customer's tenancy, or APEX's infrastructure
• Use automated scripts, bots, or scraping tools to extract data from the Service beyond what is provided via our documented API
• Resell, sublicense, or provide access to the Service to third parties (including as a bureau service) without prior written consent from APEX
• Use the Service to engage in market manipulation, fraudulent transactions, or any activity that constitutes a financial crime
• Introduce malware, viruses, or any other malicious or disruptive code into the Service
• Use the Service in any manner that could damage, disable, or impair our infrastructure or interfere with any other Customer's use of the Service
• Reverse engineer, decompile, or disassemble any part of the Service, except to the extent permitted by applicable law

APEX reserves the right to suspend or terminate your account immediately and without notice for any material breach of this acceptable use policy.

6. Data ownership

Your data is yours.All data, content, and information that you upload, create, or generate within the Service (“Customer Data”) remains your property at all times. APEX claims no ownership rights over Customer Data.

By using the Service, you grant APEX a limited, non-exclusive, non-transferable licence to access, process, store, and transmit Customer Data solely for the purpose of providing and improving the Service in accordance with these Terms and our Privacy Policy. This licence terminates upon the expiry of your subscription and any applicable data retention period.

APEX will not use Customer Data to train machine learning models, develop competing products, or for any purpose other than operating the Service for your benefit. We will not disclose Customer Data to third parties except as described in our Privacy Policy or as required by law.

7. Intellectual property

The APEX Capitals platform — including its software, algorithms, user interface, design, documentation, branding, and all improvements and derivatives thereof — is the exclusive intellectual property of APEX Capitals Ltd and is protected by UK and international copyright, database rights, trade mark law, and other applicable intellectual property laws.

Subject to your compliance with these Terms and payment of applicable subscription fees, APEX grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your internal business purposes during the term of your subscription. This licence does not include any right to copy, modify, create derivative works from, or distribute any part of the Service.

You retain full ownership of all Customer Data and any reports, analyses, or exports generated from your own data using the Service. Nothing in these Terms transfers any intellectual property rights in Customer Data to APEX.

8. Confidentiality

Each party (“Receiving Party”) may have access to confidential information of the other party (“Disclosing Party”) in connection with these Terms. “Confidential Information” means any non-public business, technical, or financial information disclosed by either party that is identified as confidential or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure.

The Receiving Party will: (a) hold the Disclosing Party's Confidential Information in confidence using at least the same degree of care it uses to protect its own confidential information, but no less than reasonable care; (b) not disclose such Confidential Information to any person other than its employees, contractors, and advisers with a need to know; and (c) use Confidential Information only for the purposes of these Terms.

These obligations do not apply to information that: (i) is or becomes publicly available through no fault of the Receiving Party; (ii) was already known to the Receiving Party prior to disclosure; (iii) is independently developed by the Receiving Party without reference to the Confidential Information; or (iv) is required to be disclosed by law or a regulatory authority, provided the Receiving Party gives reasonable prior notice to the Disclosing Party where permitted.

For Enterprise Customers, APEX will execute a mutual Non-Disclosure Agreement upon request, which may supplement but does not replace this clause.

9. Limitation of liability

Nothing in these Terms limits or excludes either party's liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be excluded or limited by applicable English law.

Subject to the above, APEX's total aggregate liability to you under or in connection with these Terms — whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise — will not exceed the greater of: (a) the total subscription fees paid by you to APEX in the 12 months immediately preceding the event giving rise to the claim; or (b) £500.

APEX will not be liable for any: loss of profits; loss of revenue or business; loss of anticipated savings; loss or corruption of data or information (other than as a direct result of our negligence); loss of goodwill; or indirect, consequential, or special loss — even if we have been advised of the possibility of such loss.

The Service is provided “as is”. To the fullest extent permitted by law, APEX disclaims all implied warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. APEX does not warrant that the Service will be error-free, uninterrupted, or that any specific result will be achieved by use of the Service.

Financial data, valuations, and analytics provided by the Service are for informational purposes only. Nothing in the Service constitutes financial advice, investment advice, or a recommendation to buy or sell any asset. You must exercise your own judgement and, where appropriate, take independent professional advice before making any investment decision.

10. Termination

Either party may terminate these Terms by providing 30 days' written notice to the other party. APEX may terminate or suspend your account immediately and without notice if: (a) you materially breach these Terms and fail to remedy that breach within 14 days of written notice; (b) you become insolvent, enter administration, or are subject to equivalent insolvency proceedings; or (c) continued provision of the Service would expose APEX to legal or regulatory risk.

Data export window

Upon termination or expiry of your subscription for any reason, you will have 30 days to export your Customer Data via the platform's built-in export tools or by API. APEX will provide reasonable assistance with this export upon request. After 30 days, your Customer Data will be permanently deleted from our systems within 60 days, except where retention is required by law.

Termination does not entitle you to any refund of prepaid subscription fees, except as described in Section 4. Clauses that by their nature should survive termination — including Sections 6, 7, 8, 9, 11, and this clause — will survive.

11. Governing law & disputes

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes and claims) shall be governed by and construed in accordance with the laws of England and Wales.

The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

Before commencing any formal legal proceedings, the parties agree to attempt resolution of any dispute through good-faith negotiations for a period of at least 30 days from written notice of the dispute. For Enterprise Customers, unresolved disputes may be referred to non-binding mediation under the CEDR Model Mediation Procedure before litigation is commenced.

12. Changes to these terms

APEX may update these Terms from time to time. When we make material changes, we will:

• Update the “Last updated” date at the top of this page
• Provide at least 30 days' advance notice via email and an in-platform notification before the changes take effect
• Where changes are to your significant detriment, provide an opportunity to terminate your subscription without penalty before the new Terms take effect

Your continued use of the Service after the effective date of updated Terms constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Service and notify us of your cancellation within the notice period.

For changes required by law or regulatory direction, APEX may implement updates with shorter notice than 30 days where necessary.

Questions about these terms

If you have any questions about these Terms, please contact us: