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1. Acceptance of Terms

By creating an account, accessing, or using the Noble Vermostead Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service. If you are using the Service on behalf of a household, family, or other group, you represent that you have the authority to bind that group to these Terms.

2. Description of the Service

Noble Vermostead provides AI-driven data analysis and periodic reporting tools intended to help users track and understand information relevant to their household financial or wealth-building activities. The Service is provided for informational and organisational purposes only and does not constitute financial, investment, tax, or legal advice. Any decisions made based on information provided through the Service are made at your own discretion and risk.

3. Eligibility and Accounts

You must be at least 18 years of age and capable of forming a binding contract to use the Service. When you create an account, you agree to provide accurate, current, and complete information, and to keep this information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us promptly if you become aware of any unauthorised use of your account.

4. Subscription, Fees, and Billing

Certain features of the Service may require payment of fees. Where applicable, fees, billing cycles, and cancellation terms will be presented to you at the time of purchase or subscription. Unless otherwise stated, fees are non-refundable except where required by applicable law. We reserve the right to change our pricing with reasonable advance notice; continued use of the Service after a price change constitutes acceptance of the new pricing.

5. Acceptable Use

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation.
• Attempt to gain unauthorised access to any part of the Service, other accounts, or related systems.
• Interfere with, disrupt, or place undue load on the Service's infrastructure.
• Reverse engineer, decompile, or attempt to extract the source code of any software underlying the Service.
• Upload or transmit any content that is unlawful, misleading, or infringes the rights of a third party.

6. User Content and Data

You may provide information, documents, or data ("User Content") to the Service for the purpose of generating analysis and reports. You retain ownership of your User Content. By submitting User Content, you grant Noble Vermostead a limited, non-exclusive licence to use, process, and store that content solely to provide and improve the Service. You are responsible for ensuring you have the right to submit any User Content you provide, including where it relates to third parties such as other household members.

7. AI-Generated Analysis and Reports

The Service uses automated and AI-assisted processes to generate insights, summaries, and reports. These outputs are generated based on the data provided and available models, and may contain errors, omissions, or inaccuracies. Reports and analysis are provided "as is" for general informational purposes and should not be relied upon as the sole basis for any financial, legal, or investment decision. We recommend independent verification and, where appropriate, consultation with a qualified professional before acting on any output from the Service.

8. Intellectual Property

All rights, title, and interest in and to the Service, including its software, design, text, graphics, and underlying technology (excluding your User Content), are and remain the exclusive property of Noble Vermostead and its licensors. Nothing in these Terms grants you any right to use Noble Vermostead's trademarks, logos, or branding without prior written consent.

9. Third-Party Services

The Service may integrate with or link to third-party services, tools, or data sources. Noble Vermostead does not control and is not responsible for the content, accuracy, or practices of any third-party service. Your use of any third-party service is subject to that provider's own terms and policies.

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of data or reports. Noble Vermostead does not warrant that the Service will be uninterrupted, error-free, or secure, or that any analysis or report will meet your specific requirements or expectations.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Noble Vermostead, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our total aggregate liability arising out of or relating to these Terms or the Service shall not exceed the amount you paid to Noble Vermostead for the Service in the twelve (12) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify and hold harmless Noble Vermostead and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your User Content, or your violation of these Terms.

13. Suspension and Termination

We may suspend or terminate your access to the Service, in whole or in part, at our discretion, including where we reasonably believe you have violated these Terms, engaged in fraudulent or unlawful activity, or where continued provision of the Service is no longer commercially viable. You may stop using the Service and close your account at any time in accordance with the process described within the Service. Provisions of these Terms that by their nature should survive termination will continue to apply.

14. Changes to the Service and These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time to reflect changes in our practices, offerings, or legal requirements. Where changes are material, we will make reasonable efforts to notify you, such as by posting an updated version on this page with a revised "Last updated" date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand, unless otherwise required by applicable consumer protection law.

16. Severability and Waiver

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

17. Contact

Questions about these Terms should be directed to Noble Vermostead through the contact details provided elsewhere on this website.

This document is a general template provided for drafting convenience only. It does not constitute legal advice and should be reviewed and customised by a qualified professional to ensure compliance with all applicable laws and regulations relevant to your specific business.