Terms and Conditions

1. What Norahdave provides

1.1 Norahdave provides AI-powered data analysis and decision-optimisation tools intended to support long-term household planning. Outputs may include summaries, visualisations, scenarios and modelled projections.

1.2 Our services are for information and decision support only. They are not financial advice, legal advice, tax advice or a recommendation to buy, sell or hold any product. You should consider seeking independent professional advice where appropriate.

1.3 Predictive models support decision-making and do not guarantee outcomes. Capital remains subject to market fluctuation and past behaviour does not predict future results.

2. Eligibility and accounts

2.1 You must be at least 18 years old, or the age of legal capacity in your place of residence, to create an account.

2.2 You agree to provide accurate, current and complete information when registering and to keep your account details up to date.

2.3 You are responsible for safeguarding your login credentials and for all activity under your account. Notify us promptly via the Contact page if you suspect unauthorised use.

2.4 We may refuse, suspend or close accounts where use appears inaccurate, unlawful or in breach of these terms.

3. Acceptable use

3.1 You agree to use the services lawfully and only for their intended personal or household planning purposes. You will not:

• copy, resell, sublicense, scrape or systematically extract content except as expressly permitted;
• attempt to disrupt, overload, reverse engineer or gain unauthorised access to our systems;
• upload unlawful, misleading or infringing material, or misuse outputs to mislead others;
• use the services to make decisions on behalf of another person without their knowledge and consent.

3.2 You remain responsible for any data, assumptions and documents you input, and for checking that outputs are complete and suitable for your circumstances before acting.

4. Your data and privacy

4.1 How we handle personal data is described in our Privacy Notice, which forms part of these terms.

4.2 You retain rights in material you provide. You grant us a limited licence to process that material solely to operate, maintain and improve the services you request.

4.3 Do not upload sensitive documents or third-party personal data unless the input is requested and you have a proper basis to share it.

5. Intellectual property

5.1 The website, software, models, text, design and visualisations are owned by or licensed to Norahdave and are protected by intellectual property law.

5.2 We grant you a personal, non-exclusive, non-transferable and revocable licence to access and use the services in line with these terms.

5.3 No rights are assigned to you except as expressly stated. You may retain copies of reports generated for you for personal record-keeping.

6. Plans, fees and cancellation [Adapt as applicable]

6.1 Certain features may be free, limited by usage, or offered under a paid plan. Any fees, billing periods and renewal terms will be shown before purchase.

6.2 [Insert: payment provider, billing currency, VAT treatment, refund and cooling-off approach, and how to cancel.]

6.3 If payment fails or a subscription ends, we may limit or suspend access to paid features until the matter is resolved.

7. Accuracy, availability and third-party material

7.1 We aim for analytical, composed and transparent outputs, but we do not warrant that content will be error-free, complete or continuously available.

7.2 Services may depend on third-party data, integrations or links. We are not responsible for third-party content, availability or terms, and your use of those resources is at your own discretion.

7.3 We may update, limit or withdraw features for maintenance, security or operational reasons. Where reasonable, we will provide advance notice of material changes.

8. Disclaimers

8.1 To the maximum extent permitted by applicable law, the services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

8.2 Nothing in these terms excludes or limits rights you may have as a consumer that cannot lawfully be excluded.

9. Limitation of liability

9.1 Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be limited.

9.2 Subject to section 9.1, and to the extent permitted by law, Norahdave will not be liable for indirect, incidental, special, consequential or punitive losses, or for loss of profit, savings, data or goodwill arising from use of the services.

9.3 [Insert: agreed aggregate liability cap, e.g. fees paid in a defined period — to be reviewed before publication.]

10. Your responsibilities and indemnity

10.1 You are responsible for decisions taken on the basis of analytical outputs, including whether to act, delay or seek further advice.

10.2 You agree to indemnify and hold Norahdave harmless against claims arising from your misuse of the services, breach of these terms, or material you provide, to the extent permitted by law.

11. Suspension, termination and changes

11.1 You may stop using the services at any time. We may suspend or terminate access with or without notice where necessary for security, legal compliance or breach of these terms.

11.2 On termination, your right to use the services ends. Provisions that by their nature should continue, including intellectual property, disclaimers and limitations, will survive.

11.3 We may revise these terms from time to time. We will publish the updated version on this page and update the date above. Continued use after changes take effect constitutes acceptance of the revised terms. [Insert: notice period and method for material changes.]

12. General provisions

12.1 Entire agreement. These terms, together with any referenced policies and order details, constitute the general agreement for use of the services.

12.2 Severability. If any provision is found unenforceable, the remaining provisions continue in full effect.

12.3 No waiver. Failure to enforce any provision does not constitute a waiver of that provision.

12.4 Assignment. You may not assign your rights without our prior written consent. We may assign in connection with a reorganisation, merger or sale, subject to applicable law.

12.5 Governing law and disputes. [Insert applicable governing law, jurisdiction and dispute-resolution process — to be confirmed before publication.]

12.6 Contact. For questions about these terms, please use the details on our Contact page.