Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing our platform, or otherwise using any service offered by North Meritholdage, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the service.

2. Description of Service

North Meritholdage provides AI-driven cash flow and risk optimisation tools designed to assist small businesses and financial controllers in managing their financial operations. The service is provided on an "as is" and "as available" basis. We do not guarantee that the service will be uninterrupted, error-free, or that outputs generated by the platform will be free from inaccuracies.

3. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the business you represent. By using our services, you represent and warrant that you meet these requirements.

4. Account Registration

To access certain features, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. Acceptable Use

You agree not to misuse the services. This includes, but is not limited to, refraining from:

• Attempting to gain unauthorised access to our systems or other users' accounts.
• Using the service for any unlawful purpose or in violation of any applicable regulations.
• Interfering with or disrupting the integrity or performance of the platform.
• Reverse engineering, decompiling, or attempting to extract source code from our software.
• Uploading or transmitting any malicious code, viruses, or harmful data.

6. Subscription and Payment

Certain features of North Meritholdage may require payment of fees. All fees are quoted in the applicable currency and are exclusive of taxes unless stated otherwise. Subscription fees are billed in advance on a recurring basis as described at the point of purchase. We reserve the right to change our pricing with reasonable advance notice.

7. Cancellation and Refunds

You may cancel your subscription at any time through your account settings or by contacting us directly. Unless otherwise required by law or explicitly stated at the point of sale, fees already paid are non-refundable. Cancellation will take effect at the end of the current billing cycle.

8. Intellectual Property

All content, features, and functionality of the North Meritholdage platform, including but not limited to text, graphics, logos, software, and underlying technology, are owned by North Meritholdage or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the service for its intended purpose only.

9. User Data and Content

You retain ownership of any data or content you submit to the platform. By submitting such data, you grant North Meritholdage a licence to use, process, and store that data solely for the purpose of providing and improving the service, in accordance with our Privacy Policy.

10. Disclaimer of Warranties

North Meritholdage makes no warranties, express or implied, regarding the accuracy, reliability, or completeness of any analysis, forecasts, or recommendations generated through the platform. Our tools are intended to support, not replace, professional financial judgement. You should seek independent advice before making material financial decisions.

11. Limitation of Liability

To the fullest extent permitted by law, North Meritholdage shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of or inability to use the service.

12. Indemnification

You agree to indemnify and hold harmless North Meritholdage, its affiliates, officers, and employees from any claims, damages, liabilities, and expenses arising out of your use of the service or your violation of these Terms.

13. Termination

We reserve the right to suspend or terminate your access to the service at our discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct harmful to North Meritholdage or other users.

14. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with a revised effective date. Continued use of the service after such changes constitutes your acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which North Meritholdage is registered, without regard to conflict of law principles. This section should be reviewed and confirmed to match your specific jurisdiction.

16. Contact Information

If you have any questions about these Terms, please contact us through the details provided on our Contact page.