Translate Your ISA Terms and Conditions

Before committing money to a stocks and shares ISA, you want to know the rules without reading the whole rulebook. Name the provider and this pulls out the key clauses in plain English: contribution and flexible-ISA rules, how transfers work, withdrawal restrictions and any quiet gotchas. Good for anyone who'd rather find the catch now than after the money's in.

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You are reviewing the terms and conditions for a stocks and shares ISA with {ISA_PROVIDER} and want to understand your rights, restrictions, and any hidden gotchas before committing funds.
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<task>
**Extract and translate the key clauses:**
1. Contribution rules: annual allowance, flexible ISA rules, and how transfers work
2. Withdrawal rules: notice periods, penalties, and any restrictions on taking money out
3. Investment restrictions: what you can and cannot hold in this ISA
4. Fee structure: platform fees, fund charges, and any exit charges
5. What happens to the ISA if the provider fails: FSCS protection limits and process
</task>

<output_format>
- Five labelled sections in plain English
- A summary table: "Can I do X?" with Yes / No / Depends answers for common actions
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