Terms of Service

The service is operated by Charles Horsfall, a sole trader trading as “Council of Elders”. UK-based and not currently VAT-registered.

This will become “Horsfall Ventures Ltd, trading as Council of Elders” once the company is registered.

You can reach us at hello@councilofelders.co.uk. Our correspondence address is [correspondence address — add a non-home/virtual address before taking payment].

Council of Elders convenes AI “councils” of advisor archetypes that debate a question you pose and produce a consensus alongside risk and confidence indicators.

Important: the service is AI-generated advisory and decision-support that is educational and informational only. It is not professional, legal, financial, medical, tax or investment advice and must not be relied upon as a substitute for advice from a suitably qualified professional.

• Decisions are yours. Any decision you make, and its consequences, are your sole responsibility. You should use your own judgement and seek professional advice where appropriate.
• No guarantee of accuracy or outcomes. AI output can be incomplete, out of date, or wrong. We do not warrant that the output is accurate, reliable, or fit for any particular purpose, and we do not guarantee any result.
• The advisors are not real people. The advisor archetypes are inspired by documented thinking styles — they are not the real individuals they may evoke, are not endorsed by anyone, and are not an impersonation of any person.
• Everything is simulated. The council, its members, its “debate”, and any chamber or environment are simulated and generated by AI for illustrative purposes only.

You agree that you will not:

• Use the service for anything unlawful, harmful, fraudulent, or to infringe anyone’s rights;
• Submit content you have no right to share, or that is unlawful, abusive, or violates someone’s privacy;
• Rely on the output for high-stakes decisions (for example medical, legal, or financial) without independent professional advice;
• Attempt to reverse-engineer, scrape, overload, or disrupt the service, or bypass usage limits or security;
• Misrepresent the AI-generated output as professional advice, or as the words of any real person.

We may suspend or close accounts that breach these terms or that put the service, other users, or third parties at risk.

You need an account to use most of the service. You are responsible for keeping your login secure and for activity under your account. You must give accurate information and be old enough to enter into this agreement (at least 18). Tell us promptly if you suspect unauthorised use.

• We offer a free tier and paid plans (currently Pro £19/month, Premium £49/month and Business £149/month). Prices are shown on our pricing page and may change with notice.
• Paid plans are monthly subscriptions that auto-renew each period until cancelled.
• Payments are processed by Stripe. We do not store your full card details.
• You can cancel anytime via your billing portal or account settings; cancellation takes effect at the end of the current billing period and you keep access until then.
• Your statutory cancellation and refund rights are explained in our Cancellation & Refunds policy.

We (and our licensors) own the service, the software, the brand, and the advisor archetypes and environments. You keep ownership of the questions and content you submit. You grant us a licence to process that content to provide the service (including sending it to our AI processor) and, where you save sessions, to store the resulting output for you.

Subject to these terms, you may use the output you generate for your own personal or internal business purposes.

Nothing in these terms limits liability that cannot be limited by law (for example for death or personal injury caused by negligence, or for fraud).

Because the service is informational only, we are not liable for any decision you take based on it, or for indirect or consequential loss, loss of profits, business, data, or goodwill.

Subject to the above, our total liability to you for any claim arising out of or in connection with the service is capped at the greater of £100 or the total fees you paid us in the 12 months before the claim arose.

We handle your personal data as described in our Privacy Policy, which forms part of these terms.

We may update the service and these terms from time to time. If we make a material change we will take reasonable steps to let you know. The “last updated” date above shows the current version. Continuing to use the service after a change means you accept the updated terms.

These terms are governed by the laws of England & Wales, and disputes are subject to the courts of England & Wales. This does not affect your mandatory rights as a consumer in your country of residence.

Questions about these terms? Email hello@councilofelders.co.uk.