Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of Home Concierge (the "Service"), a product operated by Nodura Ltd ("we", "us", or "our").

By accessing or using Home Concierge, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Definitions

• "Service": Home Concierge web application and all related services
• "User", "you", "your": The person or entity using the Service
• "Account": Your registered user account
• "Content": Any data, information, or files you upload to the Service
• "Subscription": Your paid plan (monthly or annual)

3. Eligibility

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you meet this requirement.

4. Account Registration

4.1 Account Creation

• You must provide accurate, current, and complete information
• You must keep your login credentials secure and confidential
• You are responsible for all activity under your account
• You must notify us immediately of any unauthorised access

4.2 Account Termination

We reserve the right to suspend or terminate your account if:

• You breach these Terms
• You provide false or misleading information
• Your account is inactive for more than 2 years
• We are required to do so by law

5. Service Plans

5.1 Free Plan

• Unlimited tracked items across all categories, with dates you enter yourself
• Email reminders
• Document storage
• No automated data fetching or document reading

5.2 Premium Plan (Paid Subscription)

Premium Features Include:

• Vehicle MOT and tax dates fetched from the DVLA
• Renewal dates and references read out of uploaded documents
• AI-powered insights
• Automatic roll-over of renewal dates
• All future Premium features

5.3 Plan Changes

• You may upgrade from Free to Premium at any time
• You may switch between Monthly and Annual plans
• Downgrades take effect at the end of your current billing period
• No refunds for partial periods when downgrading

6. Payment Terms

6.1 Payment Processing

• All payments are processed securely via Stripe
• We do not store your credit card information
• You authorise us to charge your payment method for all fees

6.2 Pricing Changes

• We may change pricing with 30 days' notice
• Existing subscriptions continue at current price until next renewal
• Continued use after price change constitutes acceptance

6.3 Billing

• Monthly subscriptions bill on the same day each month
• Annual subscriptions bill on the anniversary of purchase
• Failed payments may result in service suspension
• You are responsible for any overdraft or insufficient funds fees

6.4 Taxes

• Prices are inclusive of VAT where applicable
• You are responsible for any additional taxes in your jurisdiction

7. Cancellation and Refunds

7.1 Cancellation

• Cancel anytime through Settings → Billing
• No cancellation fees
• Access continues until end of paid period
• Account reverts to the Free plan; all tracked items and documents are kept

7.2 Refunds

• No refunds after 30 days
• Refunds processed within 5-10 business days
• Refunds issued to original payment method

7.3 Service Termination by Us

If we terminate your account for breach of Terms:

• No refunds will be provided
• We may retain your data for legal/compliance purposes

8. Your Content and Data

8.1 Your Rights

• You retain all ownership rights to your Content
• You grant us a licence to use your Content solely to provide the Service
• This licence terminates when you delete Content or close your account

8.2 Your Responsibilities

You are solely responsible for:

• The accuracy and legality of your Content
• Backing up your Content
• Ensuring you have rights to upload any Content

8.3 Prohibited Content

You must not upload Content that:

• Is illegal, harmful, or offensive
• Infringes third-party intellectual property rights
• Contains viruses or malicious code
• Violates any applicable laws or regulations

8.4 Data Retention

• Active accounts: Data retained indefinitely while account is active
• Deleted accounts: Data permanently deleted within 30 days
• Legal obligations: Some data may be retained for compliance purposes

9. Our Rights and Intellectual Property

9.1 Service Ownership

• The Service, including all code, design, and features, is owned by Nodura Ltd
• We grant you a limited, non-exclusive, non-transferable licence to use the Service
• This licence terminates when your subscription ends or account is closed

9.2 Restrictions

You must not:

• Copy, modify, or reverse engineer any part of the Service
• Use the Service to build a competing product
• Remove or alter any copyright, trademark, or proprietary notices
• Attempt to gain unauthorised access to our systems
• Use automated systems to access the Service without permission

9.3 Trademarks

"Home Concierge" and our logo are trademarks of Nodura Ltd. You may not use them without written permission.

10. AI Features and Accuracy

10.1 AI-Powered Insights

• Our Service uses AI to provide insights and document parsing
• AI-generated content is provided "as is" and may not be 100% accurate
• You should verify all AI-generated information

10.2 No Guarantees

We do not guarantee that:

• AI insights will be accurate or complete
• The Service will identify all important dates or reminders
• Document parsing will be error-free

You remain solely responsible for managing your own deadlines and obligations.

11. Service Availability

11.1 Uptime

• We aim for 99.9% uptime but do not guarantee continuous availability
• Scheduled maintenance will be announced where possible
• We are not liable for downtime or service interruptions

11.2 Changes to Service

We reserve the right to:

• Modify or discontinue features with reasonable notice
• Upgrade or change Service infrastructure
• Add new features or functionality

12. Third-Party Services

12.1 Integration

We use third-party services including:

• Stripe for payment processing
• Supabase for data hosting
• Email service providers for notifications

12.2 Third-Party Terms

Your use of third-party services is subject to their own terms and policies. We are not responsible for third-party services or their availability.

13. Liability and Disclaimers

13.1 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

13.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are not liable for:

• Missed deadlines or appointments
• Losses resulting from reliance on the Service
• Inaccurate data or reminders
• Data loss due to your actions or third-party issues
• Indirect, consequential, or punitive damages

Our total liability is limited to:

• The amount you paid us in the 12 months before the claim
• Minimum of £50

13.3 Exceptions

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under UK law

13.4 Your Responsibility

You acknowledge that:

• You are responsible for meeting your own legal obligations and deadlines
• The Service is a tool to help you stay organised, not a guarantee
• You should verify all important dates and information independently

14. Indemnification

You agree to indemnify and hold harmless Nodura Ltd, its officers, directors, and employees from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Your Content
• Your breach of these Terms
• Your violation of any law or third-party rights

15. Privacy and Data Protection

15.1 Privacy Policy

Our Privacy Policy explains how we collect, use, and protect your personal data. By using the Service, you consent to our Privacy Policy.

15.2 Data Security

We implement appropriate technical and organisational measures to protect your data, but we cannot guarantee absolute security.

15.3 Your Data Rights

Under UK GDPR, you have rights including:

• Access to your personal data
• Correction of inaccurate data
• Deletion of your data ("right to be forgotten")
• Data portability
• Object to processing

16. Communications

16.1 Electronic Communications

You consent to receive communications from us electronically, including:

• Service updates and announcements
• Reminders and notifications
• Billing and payment confirmations
• Marketing (if you opt in)

16.2 Opting Out

You may opt out of marketing emails at any time via the unsubscribe link. You cannot opt out of essential service communications.

17. Dispute Resolution

17.1 Governing Law

These Terms are governed by the laws of England and Wales.

17.2 Jurisdiction

Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

17.3 Informal Resolution

Before initiating legal action, please contact us to attempt informal resolution. We commit to responding within 14 days.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy and other policies, constitute the entire agreement between you and Nodura Ltd.

18.2 Severability

If any provision is found unenforceable, the remaining provisions continue in full force and effect.

18.3 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

18.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms at any time.

18.5 Force Majeure

We are not liable for failure to perform due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, pandemics, or internet/telecommunications failures.

19. Changes to These Terms

19.1 Updates

We may update these Terms from time to time. We will notify you of material changes by:

• Posting the new Terms on our website
• Sending you an email notification
• Displaying a notice in the Service

19.2 Acceptance

Continued use of the Service after changes take effect constitutes acceptance of the new Terms. If you do not agree, you must stop using the Service and cancel your account.

20. Contact Us

By using Home Concierge, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.