Terms

Last updated: 2 June 2026

1. Who We Are

Primer is operated by Kernel AI Ltd, trading as Primer ("Primer", "we", "us", or "our"). Kernel AI Ltd is registered in England and Wales under company number 15117085. Our registered office is 128 City Road, London EC1V 2NX, United Kingdom.

You can contact us at hello@primerapp.com.

2. What These Terms Cover

These Terms govern access to and use of Primer's websites, applications, software, artificial intelligence features, financial-analysis tools, subscriptions, trials, account features, communications, and related services (together, the "Services").

These Terms are intended for individuals using Primer wholly or mainly for personal, non-business purposes. If you use Primer for a business, employer, fund, firm, client, customer, investment club, syndicate, or other organisation, or for professional research, advisory work, managed investment activity, commercial investing, portfolio management, regulated activity, or employment-related purposes, our Business Terms or a separate written agreement may apply instead.

The Services are not intended for anyone under 18.

3. Agreement to These Terms

By creating an account, clicking to accept these Terms, starting a trial, purchasing a subscription, or otherwise using the Services, you agree to these Terms. If you do not agree, you must not use the Services.

Our Privacy Policy explains how we handle personal data. You must read it before using the Services.

If a checkout, product page, plan page, order form, or written agreement includes additional terms for a specific purchase or feature, those additional terms apply to that purchase or feature. If there is a conflict, the more specific terms apply for the relevant subject matter.

4. Important Consumer Information

Primer is operated from the United Kingdom, but users may access the Services from different countries. Consumer protection laws vary by country, state, province, and territory. These Terms are intended to apply globally to the extent permitted by law, but they do not override mandatory rights that apply where you live.

If any part of these Terms is inconsistent with a mandatory consumer protection law that applies to you, that law applies to the extent of the inconsistency and the relevant provision will be interpreted or limited so that it is lawful.

Some local rights must be implemented in the product experience, not only in these Terms. For example, applicable law may require specific checkout disclosures, tax-inclusive pricing, renewal reminders, easy online cancellation, local-language notices, withdrawal forms, or refund mechanics. Where those requirements apply, the relevant checkout, billing, cancellation, email, or account-settings flow should be read together with these Terms.

5. Accounts and Security

You must provide accurate account information and keep it up to date. You are responsible for maintaining the confidentiality of your credentials and for activity under your account, except where that activity results from our breach or from circumstances that applicable law says you are not responsible for.

You must tell us promptly if you believe your account has been compromised. We may require extra verification, multi-factor authentication, or other security steps where reasonably necessary.

6. The Services and AI Outputs

Primer provides tools for research, analysis, productivity, and information organisation. The Services may generate outputs, summaries, tables, charts, notes, reports, and other content ("Outputs") from your prompts, uploaded files, connected sources, public information, third-party data, and other inputs ("Inputs").

Outputs may be incomplete, inaccurate, stale, misleading, or unsuitable for your circumstances. You are responsible for reviewing Outputs before relying on them. You must not treat Outputs as a substitute for professional judgement, independent verification, or advice from a qualified professional.

Primer does not provide financial advice, investment advice, personal recommendations, brokerage, execution, portfolio management, tax advice, legal advice, accounting advice, medical advice, or any other regulated professional service. You must not use the Services as the sole basis for any decision that could have a legal, financial, medical, employment, housing, insurance, credit, education, public-benefit, safety, liberty, or similarly significant effect on a person.

Unless we clearly tell you otherwise or you separately consent, we will not use your uploaded files, prompts, or Outputs to train third-party foundation models. We may use Inputs, Outputs, usage data, feedback, logs, and evaluation data to provide, secure, debug, analyse, evaluate, and improve the Services as described in our Privacy Policy.

7. Acceptable Use and Prohibited Uses

You must use the Services lawfully, responsibly, and in accordance with these Terms. You are responsible for your own use of the Services and for anyone who uses your account.

You must not use the Services to:

• break the law or help anyone else break the law;
• violate sanctions, export controls, financial-crime laws, market-abuse rules, securities laws, consumer-protection laws, privacy laws, intellectual-property laws, or other applicable legal obligations;
• provide financial advice, investment advice, personal recommendations, regulated investment research, financial promotions, brokerage, execution, order routing, custody, settlement, clearing, portfolio management, asset management, tax advice, legal advice, accounting advice, credit advice, insurance advice, pension advice, mortgage advice, or any other regulated service unless you are properly authorised and your use is lawful;
• make or automate trading, investment, lending, credit, insurance, tax, legal, accounting, or portfolio decisions without appropriate human review and professional judgement;
• use a consumer account for professional, commercial, regulated, employer, fund, firm, advisory, portfolio-management, institutional, client-facing, or other non-consumer purposes;
• submit or process personal data, confidential information, market-sensitive information, inside information, trade secrets, or third-party content unless you have the right and lawful basis to do so;
• infringe, misappropriate, or violate intellectual-property, privacy, publicity, confidentiality, contractual, or other rights;
• generate, upload, distribute, or help create malware, phishing, credential theft, spam, scams, deceptive content, or abusive automation;
• attack, probe, disrupt, overload, scrape, reverse engineer, bypass, or compromise the Services or any third-party system;
• circumvent rate limits, usage limits, security controls, safety filters, billing controls, entitlement checks, or access restrictions;
• sell, resell, sublicense, or provide access to the Services except as expressly permitted by us;
• build, train, benchmark, or improve a competing product or model using the Services, Outputs, interfaces, or non-public information about Primer;
• mislead people about voting, elections, public services, legal rights, financial opportunities, identity, source, sponsorship, or authenticity;
• generate or distribute content that is unlawful, abusive, exploitative, discriminatory, harassing, defamatory, invasive of privacy, or likely to cause serious harm; or
• use the Services in a way that creates legal, regulatory, operational, security, reputational, or safety risk for Primer, our users, our providers, or third parties.

We may investigate suspected misuse and may suspend, restrict, terminate, or refuse access where reasonably necessary to protect the Services, users, third parties, legal compliance, or security.

8. Plans, Trials, Subscriptions, and Billing

Some Services are free, trial-based, or paid. Plan features, usage limits, billing periods, renewal terms, prices, taxes, and cancellation options are shown in the product, checkout, billing settings, invoices, receipts, or other order materials.

If you start a trial, the trial length and included features are shown when you sign up. A no-card trial does not automatically become a paid subscription unless you separately provide payment details and agree to paid terms.

If you buy a subscription, you authorise us and our payment processors to charge the payment method you provide for the applicable fees, taxes, and renewal charges. Unless the checkout or plan terms say otherwise, subscriptions renew automatically until cancelled.

Taxes may be calculated based on your billing details, location, tax status, or other information. You are responsible for providing accurate billing and tax information.

9. Cancellation, Cooling-Off, and Refunds

You can cancel a paid subscription through the billing or account settings we make available, or by contacting us if the in-product route is unavailable. Cancelling a subscription stops future renewal charges and, unless we clearly state otherwise, access continues until the end of the paid billing period. Cancelling does not automatically delete your account, data, notes, files, or workspaces.

If you have statutory cancellation or cooling-off rights under applicable law, those rights apply. For example, some consumers may have a 14-day right to cancel a distance contract. Where required by law, we will provide cancellation information and honour non-waivable rights.

If you request immediate access to paid digital services or digital content during a cooling-off period, your refund rights may be reduced or, for digital content, may be lost once supply begins where the legal requirements are met. At checkout we may ask you to acknowledge immediate access and the cancellation consequences.

Refunds are provided where required by law. We may also provide discretionary refunds, but doing so does not create a right to future refunds and does not waive our rights under these Terms.

If we suspend or terminate your account because you breached these Terms or applicable law, you may lose access to paid features without a refund except where a refund is required by law.

10. Changes, Availability, and Service Limits

We may update, improve, suspend, remove, or discontinue features. We may apply usage limits, queueing, throttling, content filters, safety filters, abuse controls, and security checks. These controls may block, delay, modify, or refuse Inputs or Outputs where we reasonably consider that doing so protects the Services, users, us, third parties, or legal compliance.

We aim to keep the Services available, but we do not guarantee uninterrupted or error-free access. The Services may be affected by maintenance, outages, third-party providers, model behaviour, data availability, security events, or circumstances beyond our reasonable control.

11. Your Content and Feedback

You retain any rights you have in your Inputs and Outputs, subject to these Terms and any rights of third parties. You grant us the rights we need to provide, secure, maintain, debug, analyse, evaluate, and improve the Services, including the rights to host, process, transmit, display, copy, and create technical derivatives of Inputs and Outputs for those purposes.

If you provide feedback, ideas, suggestions, bug reports, ratings, comments, or other information about the Services ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free licence to use, copy, modify, publish, distribute, and otherwise exploit that Feedback for any purpose without compensation to you. This does not affect your rights in personal data under our Privacy Policy.

12. Primer Intellectual Property

Primer and our licensors own the Services, software, interfaces, models, designs, workflows, documentation, templates, branding, and other materials we provide, except for your Inputs and any rights you retain in Outputs.

Subject to your compliance with these Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable right to access and use the Services for your own permitted use. You must not copy, modify, distribute, sell, lease, sublicense, make available, reverse engineer, or create derivative works from the Services except as expressly permitted by these Terms or by law.

13. Third-Party Services and Data

The Services may rely on or link to third-party providers, models, data sources, payment processors, authentication providers, integrations, websites, or services. Third-party services may be subject to their own terms and privacy notices. We are not responsible for third-party services except where applicable law says otherwise.

Financial data, public filings, transcripts, news, market data, and other third-party content may be incomplete, delayed, inaccurate, or subject to separate restrictions. You are responsible for checking source materials and complying with any applicable third-party terms.

14. Privacy

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal data, including account data, billing data, service content, usage data, AI processing data, and cookie or similar-technology data.

15. Suspension and Termination

We may suspend, restrict, or terminate your account or access to the Services if:

• you breach these Terms;
• payment is overdue;
• your use creates legal, regulatory, security, safety, financial, or reputational risk;
• we reasonably need to protect the Services, users, us, providers, or third parties; or
• we are required or permitted to do so by law.

Where reasonably practicable and legally permitted, we will give notice and an opportunity to remedy or appeal. We may act without notice where necessary to prevent harm, comply with law, protect security, prevent abuse, preserve evidence, or reduce legal or regulatory risk.

When your account closes or these Terms terminate, your right to use the Services ends. Sections that by their nature should survive will continue to apply, including sections on AI limitations, acceptable use, payment obligations, intellectual property, privacy, liability, disputes, and interpretation.

16. Liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so. This includes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, and any mandatory consumer rights.

We are responsible for foreseeable loss and damage caused by our breach of these Terms or our failure to use reasonable care and skill. Loss or damage is foreseeable if it was obvious that it would happen or if, at the time the contract was made, both you and we knew it might happen.

The Services are supplied for domestic and private use under these Terms unless we agree otherwise. If you use a consumer account for commercial, business, professional, regulated, or investment-management purposes, we will not be responsible for business losses or regulated-use losses that would not have arisen from permitted personal use.

Except for liability that cannot lawfully be limited, our total liability to you arising out of or relating to these Terms or the Services will be limited to the greater of: (a) the amount you paid us for the Services in the 12 months before the event giving rise to the claim; and (b) GBP 100. This limit does not reduce any remedy that mandatory consumer law says must be available to you.

17. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify users, such as by posting the updated Terms, sending an email, or showing an in-product notice.

Unless we say otherwise, updated Terms apply from the effective date stated in the updated version. If you continue to use the Services after updated Terms take effect, you agree to the updated Terms.

Previous versions may remain available in our legal archive or source records.

18. Notices

We may contact you about the Services, your account, legal notices, billing, subscriptions, security, support, and changes to these Terms using the email address or contact details you provide, by in-product notice, or by posting on the Services.

Legal notices sent electronically will satisfy any legal requirement that they be in writing, to the extent permitted by law.

19. Governing Law and Disputes

These Terms are governed by the laws of England and Wales, except that this choice of law does not deprive you of mandatory consumer protections that apply in your country of residence.

If you live in the United Kingdom, you may bring legal proceedings in the courts of England and Wales, Scotland, or Northern Ireland, depending on where you live.

If you live in the European Union, European Economic Area, Switzerland, or another country outside the United Kingdom, you may have the right to bring proceedings in your local courts under mandatory consumer protection laws. Nothing in these Terms limits those rights.

20. Contact

For questions about these Terms, contact hello@primerapp.com.