Terms of use

These terms govern access to and use of Tallify, practice intelligence software for financial services providers, supplied by BlueBird Digital (Pty) Ltd (registration number 2020/844054/07) of 479 Kincardine Estate, 156 Zinnia Road, Kyalami, Gauteng, 2196, South Africa ("we", "us", "BlueBird"). They apply to the financial services provider that licenses or evaluates Tallify ("the practice") and to every person the practice allows to use it ("user"). By signing an order for Tallify, by accepting an evaluation instance, or by signing in to any Tallify console, the practice agrees to these terms and each user agrees to the clauses that apply to users. If you sign in on behalf of a practice you confirm that you are authorised to bind it.

1. What Tallify is, and what it is not

1.1 Tallify is software. It runs either on a server the practice controls or, as a separate installation of the practice's own with its own database, documents, backups, services, settings and sign-in, on a server in South Africa that we operate and that may also run other installations (clause 10.1). It onboards the practice's clients (a personal link to sign the disclosure letter, complete the fact find and send identity and FICA documents), reads client facts from the fact find and, through assisted intake, from notes and documents an adviser sends, drafts advice documents and client communications for an adviser to review, and watches the practice's client register for changes worth an adviser's attention.

1.2 Tallify does not give financial advice. Every Record of Advice, needs analysis, briefing and client message it writes is a draft. No draft is filed on a register or sent to a client unless a named user of the practice approves it, except a kind of notice the practice has chosen to send without approval; clause 7.1 lists that choice and the few messages that go at once. The practice and its representatives remain the provider of advice under the Financial Advisory and Intermediary Services Act, 2002 (FAIS), and are responsible for the content of everything they approve, file or send.

1.3 We are not a financial services provider, are not licensed or approved by the Financial Sector Conduct Authority, and do not act as a representative, juristic representative, key individual or compliance officer of the practice. Nothing we publish, and nothing Tallify produces, is legal, tax, compliance or regulatory advice. The practice takes its own advice on those matters.

1.4 Descriptions of Tallify on our website, in documentation and in demonstrations describe how the software is designed to work. They are not warranties about any particular output, and they do not form part of these terms unless the order says so.

1.5 Nothing in these terms gives the practice exclusivity in any market, industry or territory. We may supply Tallify to any other person, including competitors of the practice.

2. Evaluations, demonstrations and the free trial

2.1 We may give a prospective practice access to an evaluation instance of Tallify free of charge ("evaluation"). An evaluation is populated with fictional data, is provided for the sole purpose of assessing the software, and may be withdrawn, reset or deleted by us at any time without notice.

2.2 The practice must not enter real client personal information, real identity numbers or real financial records into an evaluation unless the practice has a free trial or a subscription under an order and an operator agreement. If real personal information is entered into an evaluation in breach of this clause, the practice does so as responsible party at its own risk, must tell us at once, and indemnifies us against any resulting claim, complaint or penalty.

2.3 Evaluations carry no availability commitment, no support commitment, no backup commitment and no warranty of any kind. Clauses 4, 5, 8, 9, 12, 13 and 16 apply to evaluations. Subject to clause 13.1, our total liability arising from an evaluation is nil.

2.4 Output produced in an evaluation must not be given to a client, filed on any register or relied on for any purpose other than assessing the software.

2.5 A free trial is not an evaluation. It is the first seven days of a subscription, on the practice's own installation, under an order and an operator agreement, and every clause of these terms applies to it. No fee is payable for it. If the practice cancels in writing before the trial ends, the subscription ends with it and no fee falls due; otherwise the subscription continues month to month under clause 14.1.

3. Accounts, users and sign-in

3.1 The practice's administrator creates user accounts and assigns each one a role (administrator, adviser or read-only) and, where appropriate, a client scope. The practice is responsible for who it gives access to, for keeping user details current, and for removing access at once when someone leaves or changes role.

3.2 Each user keeps their password private, changes a temporary password at first sign-in, and tells the administrator at once if they believe their account has been used by someone else. Where the practice's installation asks for a sign-in code sent by email, the security of that mailbox is the practice's responsibility, and a device marked as trusted must be one the user controls. Sessions end automatically after a period without activity (30 minutes unless the practice sets another) and after seven days in any case.

3.3 A user may only act on clients within their assigned scope. Attempts to reach other clients are refused and logged. Every request that changes data is recorded in an audit log that the practice's administrators can read and that we do not edit.

3.4 An adviser's WhatsApp number registered in Tallify is an access credential. The practice must register only numbers on devices its advisers control, and must remove a number at once if the device is lost or the adviser leaves.

3.5 We may suspend a user account or an installation immediately, without prior notice, where we reasonably believe it is compromised, is being used in breach of clause 4, or presents a risk to the security of any person's data. We will tell the practice's administrator as soon as practicable and restore access once the risk is resolved.

4. Acceptable use

4.1 Tallify may be used only for the practice's own financial planning and client servicing, by the practice named in the order, in accordance with FAIS, the Protection of Personal Information Act, 2013 (POPIA), the practice's own licence conditions and any applicable code of conduct.

4.2 The practice and its users must not: (a) enter information they are not entitled to hold or process; (b) use Tallify to send a communication a client has not consented to receive; (c) bypass or attempt to bypass the approval step, a client scope, a sign-in code or the audit log; (d) copy, modify, reverse engineer, decompile or create derivative works of the software, its prompts, templates, schemas or documentation, except to the extent the law allows despite this clause; (e) resell, sublicense, rent, share or otherwise make Tallify available to any person outside the practice, or use it to provide services to another financial services provider; (f) use Tallify, its outputs or its documentation to build, train or improve a competing product; (g) publish benchmarks or comparative evaluations of Tallify without our written consent; (h) upload malicious code, or probe, scan, load-test or attack an installation or any infrastructure we operate; or (i) remove or obscure any proprietary notice.

4.3 Language model capacity is shared fairly between the practice's users. Requests are queued and processed in turn. We may apply reasonable limits to protect the service, and use that is materially above the volumes stated in the order may be metered and charged as the order provides.

4.4 Fund price, product and client data delivered through Tallify by third-party vendors is licensed to us and sublicensed to the practice for the practice named in the order only. It may be viewed inside Tallify against the practice's own clients and may not be extracted, published, redistributed or passed to any third party. The practice will comply with any vendor conditions notified to it, and we may confirm to a vendor, on request, the identity and number of practices licensed to receive its data.

5. AI output and the practice's responsibilities

5.1 Tallify uses language models. Language models make mistakes, including confident ones. Every draft may be incomplete, inaccurate, out of date or unsuitable for a particular client, and every draft carries flags for the adviser's attention. Review by a licensed representative of the practice is a condition of use, not an optional step.

5.2 The practice will ensure that: (a) every document filed, and every drafted communication that waits for approval, is reviewed and approved by a representative who is authorised under FAIS for the relevant product categories; (b) figures, product details and client circumstances are checked against source documents before approval; (c) items flagged for review are resolved before approval; (d) the practice's own record-keeping, disclosure and suitability obligations under FAIS and its General Code of Conduct are met independently of Tallify; and (e) Tallify is not described to any client or regulator as the author or provider of advice.

5.3 The practice is responsible for the accuracy and lawfulness of everything entered into Tallify, including meeting notes, documents, register data and consent records, and for having a lawful basis under POPIA to process it.

5.4 The practice retains its own copies of client records and advice documents for the periods FAIS requires. Tallify holds drafts, registers and logs on the practice's installation as a working system, not as the practice's statutory archive.

6. Personal information

6.1 The practice is the responsible party under POPIA for all client information processed inside its Tallify installation. On the practice's own infrastructure we have no access to that information unless the practice requests support and grants access for that purpose, in which case we act only on the practice's instructions and only for that purpose. For a hosted installation we act as the practice's operator under a written operator agreement, only on the practice's documented instructions, and we keep the installation, its backups and its logs in South Africa. A hosted installation is the practice's own, with its own database, documents, backups, services, settings and sign-in, on a server we operate that may also run other installations; no installation shares its database, documents, backups or sign-in with another.

6.2 Tallify is built to keep identifying information on the practice's installation. Before any request is sent to an external language model, code on the installation removes names, identity numbers, dates of birth, contact details and addresses and scrubs those values from free text, and a check stops any request that still carries identity. The external provider is Anthropic PBC: its Claude models read the de-identified facts and draft advice documents, client communications and the adviser's cover briefing from them, and read the free-text answers of a fact find that the installation's rules could not read, after identity is removed (a practice may choose rules only). Anthropic receives figures and circumstances, not an identifiable person, and names are put back on the installation. Language models that run on the installation itself are used for search, for a check for names in free text before a request is sent, for reading an Astute CCP report the practice uploads, and for reading photographs, scans, documents and typed notes sent over WhatsApp or uploaded in the console (assisted intake), whose figures the practice checks under clause 5.2(b). Nothing they read leaves the installation, and the onboarding fact find does not depend on them; where none is running, the names check and the CCP reader fall back to code. The practice acknowledges that the de-identified request may be processed outside South Africa, and records this processing in its own POPIA documentation.

6.3 The third parties involved in the service are listed below so that the practice can name them in its records. We will give the practice at least thirty days' written notice before adding or replacing a third party that will process client information. If the practice objects on reasonable data protection grounds and we cannot resolve the objection, the practice may terminate the affected service without penalty.

6.4 We apply the security measures described in our Security page and our information security policy set, including authenticated role-based access, audit logging, encrypted transport, encrypted backups where the infrastructure supports it, and de-identification before external processing. The practice is responsible for the physical and network security of infrastructure it controls.

6.5 If we become aware of a security compromise affecting the practice's client information on infrastructure we operate or have access to, we will tell the practice without undue delay and in any event within seventy-two hours of becoming aware, give the practice the information it needs to meet its own obligations under section 22 of POPIA, and cooperate with its investigation. Notification to the Information Regulator and to data subjects is the practice's responsibility as responsible party unless the operator agreement says otherwise.

6.6 We will give the practice reasonable assistance, at our then current rates where the effort is material, in responding to data subject requests, regulator enquiries and audits that concern its Tallify installation.

6.7 Our privacy notice at tallify.co.za/privacy.html covers this website and our processing as a supplier. Personal information of the practice's users (names, work email addresses, phone numbers, sign-in records) is processed by us as responsible party for the purpose of providing and securing the service.

7. Client communications and consent

7.1 Tallify sends a communication the practice starts (notices, reminders, greetings, market updates and similar) only to a client whose consent the practice has recorded. Advice documents are filed only on a user's approval and are never sent to a client by Tallify. Tallify sends every drafted message, including a reply to a message the client sent, only after a user approves it, unless the practice has chosen in writing to send a kind of WhatsApp notice (a birthday greeting, for example) without approval; no kind is chosen by default. The practice's templated emails (the onboarding pack, the review sheet, the client's copy of the signed letter, a receipt for a document the client sent, the welcome email) wait for a user's approval as well, unless the practice asks in writing for them to go at once. The only message that goes at once is the one-time signing code. Everything goes only from a mailbox or number the practice has authorised. Withdrawal of consent recorded in Tallify stops new drafts; the practice rejects anything already waiting.

7.2 The practice is the sender of every communication for the purposes of FAIS, POPIA, the Electronic Communications and Transactions Act, 2002 and the Consumer Protection Act, 2008, and is responsible for its content, its timing and the lawfulness of the underlying consent.

8. Data, software and intellectual property

8.1 Everything the practice puts into Tallify, and everything Tallify produces from it, belongs to the practice: client records, registers, drafts, approved documents, communications, logs and backups ("practice data").

8.2 The software, its source code, design, prompts, extraction schemas, document templates, models of operation, documentation, branding and all improvements to them belong to us or our licensors. The practice receives a non-exclusive, non-transferable, revocable licence to use them, for the term of its subscription, for the practice and the advisers stated in its order, with as many other users as the practice needs, and for no other purpose.

8.3 We may use practice data only to provide, secure, support and improve the service for the practice, and to meet our legal obligations. We do not sell practice data, do not use it to train language models, and do not use it for any other practice. Aggregated, de-identified operational statistics that cannot identify the practice or any data subject are ours.

8.4 If the practice or a user gives us feedback, suggestions or ideas about Tallify, we may use them without restriction or payment. Feedback never includes practice data.

8.5 Where a third party claims that the software, used in accordance with these terms, infringes its intellectual property, we will defend the claim at our cost and pay any damages finally awarded, provided the practice tells us promptly, gives us control of the defence and reasonable assistance, and has not caused the claim by its own modification or misuse. We may modify or replace the software to avoid the claim or, if that is not commercially reasonable, terminate the affected service and refund fees paid in advance for the unused period. This clause is the practice's only remedy for intellectual property claims.

9. Confidentiality

9.1 Each party will keep the other's confidential information confidential, use it only for the purposes of these terms, and disclose it only to its personnel and advisers who need it and are bound by equivalent obligations. Our confidential information includes the software, prompts, templates, pricing and roadmap. The practice's confidential information includes practice data and its business affairs.

9.2 These obligations do not apply to information that is public through no fault of the receiving party, was already lawfully held, is independently developed, or must be disclosed by law or a regulator, in which case the receiving party will give as much notice as the law allows. They continue for five years after termination, and indefinitely for personal information.

10. Availability, support and changes

10.1 Tallify runs either on infrastructure the practice controls, or, where the order says so, on a server in South Africa that we operate, as a separate installation of the practice's own with its own database, documents, backups, services, settings and sign-in ("hosted by Tallify"). That server may also run other installations, and no installation shares its database, documents, backups or sign-in with another. On the practice's own infrastructure we support the software; the practice (or its hosting provider) is responsible for the server, its operating system, patching, network, power and physical security, and must meet the minimum specification we publish. We will give reasonable assistance but do not guarantee uptime of hardware we do not operate. For a hosted installation we are responsible for the server, its power and connectivity, back it up at least daily, with copies on two machines, and target availability of 99.5 percent in each calendar month, measured on the console sign-in page and excluding planned maintenance, force majeure and outages of third parties listed in clause 6.3. Planned maintenance is notified at least twenty-four hours in advance and scheduled outside South African business hours where practicable. The availability target is a target. Service credits apply only if the order provides for them.

10.2 Support is by email to michael@tallify.co.za on South African business days between 08:00 and 17:00. We aim to acknowledge within one business day and to resolve issues that stop the practice working as a priority. Security incidents are handled under our Incident Response Policy (BBD-POL-08) and clause 6.5.

10.3 We release updates from time to time and may modify, add or retire features. Updates that change how the practice's users work will be described before they are applied. The practice may decline an update, on the understanding that support and the warranty in clause 12.1 are limited to the current and previous release. Features described as beta, preview or experimental are provided without warranty and may be changed or withdrawn at any time.

10.4 We may change these terms on thirty days' written notice by email to the practice's administrator and by publishing the new version at this address. Continued use after the notice period is acceptance. A change that materially reduces the practice's rights entitles it to terminate without penalty within that period, with a pro rata refund of fees paid in advance. The version in force at any time is the one published here, and previous versions are available on request.

11. Fees and payment

11.1 Fees are charged per adviser a month, for the plan and the number of advisers set out in the order. An adviser is a person who gives advice to clients through Tallify; office staff, paraplanners, administrators and compliance users are not charged. An adviser added during a month is charged from that month. Fees are payable monthly in advance by electronic transfer within fourteen days of invoice unless the order says otherwise. There is no setup fee. Each plan includes the number of client onboardings and reviews a month that the order and the pricing page state; use above it may be charged as the order provides, or the practice may move to a higher plan. BlueBird is not registered for VAT, so no VAT is added to the fees. Third-party data licences are itemised separately in the order and are payable whether or not the practice uses the data.

11.2 Amounts unpaid thirty days after invoice bear interest at the prime lending rate published by the South African Reserve Bank plus two percent a year, calculated daily. We may suspend access after a further fourteen days' written notice. Suspension does not delete the practice's data, does not stop fees accruing, and ends when the arrears and interest are paid. We may recover reasonable collection costs on the attorney and client scale.

11.3 An invoice the practice disputes in good faith must be queried in writing within fourteen days of its date, with reasons; the undisputed part remains payable on time. Invoices not queried in that period are accepted.

11.4 Fees may be adjusted once a year on sixty days' notice, by no more than the annual change in the consumer price index published by Statistics South Africa unless the order says otherwise. Third-party data fees change when the vendor changes them, on the notice the vendor gives us.

11.5 Fees are not refundable except where these terms say so. A month already started is payable in full.

12. Warranties

12.1 We warrant that Tallify will perform materially as described in its documentation, that we have the right to license it, and that we will provide the service with reasonable skill and care. If the software does not meet this warranty the practice's remedy is that we correct it within a reasonable time or, if we cannot, the practice may terminate the affected service and receive a pro rata refund of fees paid in advance for the unused period.

12.2 The practice warrants that it holds a current FAIS licence for the categories in which it uses Tallify, that the person accepting these terms is authorised to bind it, that it has a lawful basis for every item of personal information it processes in Tallify, and that its use of Tallify will comply with all applicable law.

12.3 We do not warrant that any draft is complete, correct, suitable for a particular client, or compliant with any law, code or regulator's expectation. We do not warrant that the service will be uninterrupted or error-free, that it will meet the practice's requirements, or that third-party data or services will be accurate or available.

12.4 Apart from clause 12.1, Tallify is provided as is, and all warranties, conditions and representations not stated in these terms, whether express, implied, statutory or otherwise, are excluded to the fullest extent the law allows.

13. Liability and indemnity

13.1 Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited or excluded.

13.2 Subject to clause 13.1, our total aggregate liability to the practice and its users arising out of or in connection with these terms, the service and any output, whether in contract, delict, under statute or otherwise, is limited to the fees the practice actually paid us for Tallify in the twelve months immediately before the event giving rise to the claim. For an evaluation the fees paid are nil and clause 2.3 applies.

13.3 Subject to clause 13.1, neither party is liable to the other for any indirect or consequential loss, or for loss of profit, revenue, business, goodwill, data or anticipated savings, or for regulatory fines or penalties, however arising, even if advised of the possibility. This exclusion does not reduce the practice's obligations under clauses 4, 5, 7 and 13.5.

13.4 Subject to clause 13.1, we are not liable for any loss arising from: (a) advice given, documents filed or communications sent by the practice, whether or not drafted by Tallify; (b) the practice's failure to review a draft or resolve a flag; (c) inaccurate, incomplete or unlawful information entered by the practice; (d) failure, misconfiguration or compromise of infrastructure, networks, devices, mailboxes or WhatsApp accounts the practice controls; (e) unavailability or errors of third parties listed in clause 6.3 or of the practice's other systems; (f) use of Tallify in breach of these terms; or (g) any modification of the software not made by us.

13.5 The practice indemnifies us, our directors, employees and contractors against all claims, losses, damages, costs (including legal costs on the attorney and client scale) and penalties arising from: (a) advice given, documents filed or communications sent by the practice, including those drafted by Tallify and approved by its users; (b) any claim by a client, data subject or regulator concerning the practice's processing of personal information, including information entered into an evaluation in breach of clause 2.2; (c) breach of clauses 4, 5, 7 or 12.2 by the practice or its users; and (d) any third-party data used outside the licence in clause 4.4.

13.6 A claim by the practice against us must be notified in writing, with reasonable particulars, within twelve months of the event giving rise to it, failing which it is waived.

14. Term, termination and exit

14.1 After the free trial the subscription runs month to month. The practice may cancel at any time by written notice, with no notice period; the cancellation takes effect at the end of the month already paid for, and no further fees fall due. We may end the subscription on thirty days' written notice. Where a signed order sets a fixed term, that term applies instead.

14.2 Either party may terminate on thirty days' written notice if the other commits a material breach and does not cure it within that period, or immediately if the other becomes insolvent, is placed in business rescue or liquidation, or ceases business. We may terminate immediately if the practice's FAIS licence is suspended or withdrawn, or on a breach of clause 4.2 that cannot be cured.

14.3 On termination or expiry for any reason: (a) the practice's licence ends and all users' access stops when the termination takes effect; (b) on request made within thirty days, we will hand over a complete export of practice data in open formats (SQLite, Word and CSV), or leave the installation on the practice's own server with the software disabled; (c) for a hosted installation we will delete practice data and its backups within ninety days after the export is delivered or the thirty-day request period lapses, except for the minimum records we must keep by law or to evidence the contract; and (d) the practice pays all fees accrued to the date of termination. Backups on the practice's own server remain the practice's. It is the practice's responsibility to take its export before deletion, having regard to its FAIS retention obligations.

14.4 Clauses 2.2, 2.3, 4.4, 5, 6, 8, 9, 11, 12.3, 12.4, 13, 14.3, 15 and 16 survive termination.

15. General

15.1 Neither party is liable for delay or failure caused by events beyond its reasonable control, including power and network failures, acts of government, epidemics, labour disputes and failures of third-party services, provided it tells the other promptly and does what it reasonably can to resume. Payment obligations are not excused. If such an event continues for more than sixty days either party may terminate on notice.

15.2 Neither party may assign or transfer these terms without the other's written consent, which may not be unreasonably withheld, except that we may assign to an affiliate or to a successor to all or substantially all of our Tallify business on written notice. We may use subcontractors, remaining responsible for their work.

15.3 These terms, the order, the operator agreement and any documents they expressly incorporate are the whole agreement and replace every earlier discussion, proposal and representation. If they conflict, the order prevails on commercial matters, the operator agreement on the handling of personal information, and these terms on everything else. No term in a purchase order or other document issued by the practice applies.

15.4 Acceptance, notices and signatures may be given electronically and are valid under the Electronic Communications and Transactions Act, 2002. Notices to us go to michael@tallify.co.za; notices to the practice go to the administrator's email address in the console. A notice is received on the business day after it is sent, unless a bounce is received.

15.5 If any clause is unenforceable it is severed to the minimum extent necessary and the rest stands. A failure or delay in exercising a right is not a waiver. Any variation must be in writing and agreed by both parties. Nothing creates a partnership, agency, joint venture or employment. No person other than the parties has rights under these terms.

15.6 We may name the practice as a Tallify customer only with its prior written consent. The practice may not use our name or marks without ours.

15.7 Tallify is supplied to financial services providers for business purposes. Where the Consumer Protection Act, 2008 nonetheless applies to the practice, nothing in these terms excludes a right that Act does not allow to be excluded, and these terms are to be read down to the extent needed to comply with it.

16. Law and disputes

16.1 South African law governs these terms and any dispute arising from them or from the use of Tallify.

16.2 The parties will first try to resolve any dispute by a meeting of their principals within fourteen days of a written request. Failing resolution within thirty days of that request, either party may refer the dispute to the courts, and the parties consent to the jurisdiction of the High Court of South Africa, Gauteng Division, Johannesburg. Either party may at any time seek urgent or interim relief, including to protect confidential information or intellectual property, from any court of competent jurisdiction.

16.3 The parties choose the addresses in clause 17 and in the order as their addresses for service of legal process.

17. Contact

BlueBird Digital (Pty) Ltd, 479 Kincardine Estate, 156 Zinnia Road, Kyalami, Gauteng, 2196, South Africa. Email michael@tallify.co.za. Information Officer: Michael Warren Eales.

Version history: 1.0 published 9 September 2026 (draft); 1.1 published 10 September 2026; 1.2 published 14 September 2026 (evaluation instances, AI output responsibilities, third-party table incl. Cloudflare and Meta, confidentiality, hosted availability target, intellectual property indemnity, claims period, exit timelines); 1.3 published 1 October 2026 (clauses 1.1, 6.1 and 10.1 on onboarding and on a hosted practice as a separate installation of its own, with its own database, documents, backups, services, settings and sign-in, on a server we operate that may also run other installations, correcting version 1.2, which described the hosting infrastructure as for one practice only; hosted backups described as copies on two machines; identity removed by code and a fail-closed check before any request, Claude from Anthropic reads de-identified facts and drafts, models on the installation used for search, a names check, reading an uploaded Astute CCP report and assisted intake, with the names check and the CCP reader falling back to code where no model runs; clause 6.2 and the third-party table adding that Claude reads the free-text answers of a fact find that the installation's rules could not read, after identity is removed (a practice may choose rules only); sessions ending after 30 minutes idle by default; the summary and clauses 1.2, 5.2(a) and 7.1 stating which messages need consent, that advice and drafted messages wait for approval, that a practice may choose to send a kind of WhatsApp notice without approval (none by default), and which transactional messages go at once; third-party table updated for the onboarding link, client WhatsApp, email sent and received through Tallify's mailboxes read over IMAP and practice mailboxes at GoDaddy, Cloudflare's tunnel and DNS, and Tailscale); 1.4 published 19 October 2026 (fees per adviser a month on the plan in the order, office staff and other non-advising users not charged, no setup fee, each plan's monthly onboardings and reviews; a seven-day free trial as the start of a subscription (new clause 2.5); month to month with cancellation at any time and no notice period, replacing the initial term and sixty days' notice in clause 14.1; a month already started not refunded; the licence for the advisers in the order with as many other users as needed; the summary updated).