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Terms of Service | Nova Finance Ltd

1) Eligibility

You must be at least the age of majority in your jurisdiction (e.g., 18 years old) and capable of forming a binding contract to use the Services. You may use the Services only in compliance with these Terms and all applicable laws, rules, and regulations.

2) Accounts & Security

You must create an account to use certain features. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately of any unauthorized use.

3) Plans, Subscriptions & Fees

We may use third-party payment processors and may place reasonable limits (e.g., usage caps) to protect the Services.

  • Subscriptions: Certain Services require a paid subscription. Fees and billing terms are displayed at the time of purchase and incorporated into these Terms by reference.
  • Payment: You authorize us to charge your payment method on file. Fees are non-refundable, except as expressly provided in these Terms or required by law.

4) Trials, Auto-Renewal, Cancellations & Refunds

  • Trials: If you receive a trial, it converts to a paid Subscription at the posted rate unless you cancel before the trial ends.
  • Auto-Renewal: Subscriptions renew automatically for successive periods equal to the initial term unless cancelled prior to renewal.
  • Cancellation: You can cancel effective at the end of your current billing period via the account billing page or by contacting support.
  • Refunds: Except where required by law or expressly stated, fees are non-refundable. For EU/UK consumers, a 14-day withdrawal right may apply for certain online purchases not yet supplied in full; by starting immediate access, you request early performance and may lose this right.

5) Acceptable Use Policy

You agree not to, and not to allow third parties to:

We may investigate and take appropriate action, including removal of content, suspension, or termination.

  • violate any law, regulation, or rights of others (including IP, privacy, publicity, or export controls);
  • upload or transmit malware, harmful code, or perform security attacks or stress tests without written permission;
  • scrape, crawl, or harvest content except as permitted by robots.txt or explicit written consent;
  • reverse engineer or attempt to discover source code or underlying models except to the extent such restriction is prohibited by law;
  • circumvent technical limits or use the Services to build a competing product;
  • send spam or unsolicited communications; or
  • process Prohibited Content (e.g., illegal content, CSAM, exploitative material, content that instructs harm or crime).

6) Your Content & License to Us

Content ” means any data, text, files, images, prompts, inputs, or outputs you submit or generate via the Services.

  • Ownership: As between you and us, you retain ownership of your Content, subject to third-party rights.
  • License to Us: You grant us a worldwide, non-exclusive, royalty-free license to host, process, transmit, display, and create derivatives of your Content solely to provide, maintain, secure, and improve the Services, and to comply with law.
  • Responsibility: You are responsible for your Content and for obtaining all rights, consents, and permissions necessary for its use with the Services.
  • Optional Opt-out from product improvement: If made available, you may choose settings that prevent your Content from being used to train or improve models. Default settings and availability may vary by plan and region.

7) Intellectual Property; Our License to You

  • Our IP: We and our licensors own all rights in the Services, including software, models, APIs, documentation, templates, and trademarks. No rights are granted except as stated here.
  • License: Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services during your Subscription term.
  • Feedback: You grant us a perpetual, irrevocable, worldwide, royalty-free license to use suggestions or feedback without restriction.

8) Third-Party Services

The Services may interoperate with third-party products or services (including payment processors, identity verification, analytics, or cloud platforms). Your use of third-party services is governed by their terms and privacy policies. We are not responsible for third-party services and disclaim liability arising from them.

9) Beta/Preview Features

We may offer features identified as alpha, beta, preview, or evaluation (“ Beta ”). Beta is provided ”as is”, may be disabled at any time, and may be subject to additional terms. Beta is not for production use and may be less reliable or secure.

10) AI/Automation Specific Terms

  • Outputs: AI outputs may be inaccurate, incomplete, or reflect biases. You are responsible for reviewing outputs and for decisions made based on them.
  • Prohibitions: Do not use AI features to generate or disseminate unlawful, deceptive, or harmful content, to impersonate others, or to engage in automated high-risk activities without appropriate human oversight.
  • Regulatory Use: Where outputs are used in regulated contexts (e.g., finance, health, employment), you must implement appropriate safeguards, validations, and disclosures.
  • No Financial/Investment Advice: Information provided by the Services is for general information only and does not constitute investment, financial, legal, or tax advice. You are solely responsible for your decisions.

11) Compliance, Export & Sanctions

You represent that you, your affiliates, and end users are not subject to sanctions or located in restricted jurisdictions and will comply with all applicable export control and sanctions laws. You will not use the Services for prohibited purposes (e.g., nuclear, missile, chemical/biological weapons, or other defense or military-end uses where restricted).

12) Privacy

Your use of the Services is subject to our . You acknowledge that we may process personal data in accordance with that policy.

13) Support & Availability

  • Support: We may provide documentation and reasonable support channels. Paid support plans, if any, are described in your Order.
  • Availability: The Services may be subject to maintenance, outages, or limitations. We do not guarantee uninterrupted or error-free operation.
  • Data Backups: You are responsible for exporting or backing up your Content regularly.

14) Warranty Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL RELATED MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT CONTENT WILL BE ACCURATE OR RELIABLE.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL Nova Finance Ltd OR ITS AFFILIATES, LICENSORS, OR SUPPLIERS BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY (OR, IF NO FEES WERE PAID, ONE HUNDRED U.S. DOLLARS (US$100)).

Some jurisdictions do not allow certain disclaimers or limitations; in such cases, the foregoing will apply to the fullest extent permitted.

16) Indemnification

You will defend, indemnify, and hold harmless Nova Finance Ltd and its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to your Content, your use of the Services, or your violation of these Terms or applicable law.

17) Term; Suspension & Termination

  • Term: These Terms commence when you first use the Services and continue until terminated.
  • Suspension/Termination by Us: We may suspend or terminate access immediately for violations of these Terms, security risks, non-payment, or where required by law.
  • Termination by You: You may stop using the Services at any time and, if applicable, cancel your Subscription.
  • Effect: Upon termination, your license ends and you must cease use. We may delete Content after a reasonable period unless required by law to retain it.

18) Changes to the Services or Terms

We may modify the Services or these Terms from time to time. If we make material changes, we will provide notice (e.g., by email, in-product notice, or posting an updated Terms with a new effective date). Your continued use after changes become effective constitutes acceptance. If you do not agree, you must stop using the Services and, where applicable, cancel your Subscription.

19) Governing Law & Dispute Resolution

  • Governing Law: These Terms are governed by the laws of [Insert Governing Jurisdiction] , excluding its conflict of laws rules.
  • Venue: The courts located in [Insert Venue] shall have exclusive jurisdiction, except where arbitration is mandated below.
  • Optional Arbitration; Class-Action Waiver: Any dispute will be resolved by binding arbitration administered by [Arbitration Institution] under its rules. YOU WAIVE THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN A CLASS ACTION. Consumers in the EEA/UK may have statutory rights to bring claims in their home courts.

20) Miscellaneous

  • Notices: We may send notices to the email associated with your account or by posting in the Service. You may send legal notices to: {{email.legal}}.
  • Assignment: You may not assign these Terms without our prior written consent. We may assign to an affiliate or in connection with a merger, acquisition, or asset sale.
  • Entire Agreement: These Terms, the Order, and any referenced policies constitute the entire agreement and supersede prior agreements.
  • Severability: If any provision is unenforceable, the remainder remains in effect.
  • Waiver: A failure to enforce a provision is not a waiver.
  • Force Majeure: Neither party is liable for delays or failures caused by events beyond reasonable control.
  • Open-Source: The Services may include open-source components subject to their own licenses.
  • Electronic Communications: You consent to receive electronic communications and to electronic signatures and records.

21) Contact

Questions about these Terms? Contact us:

  • Email:
  • Postal: Nova Finance Ltd, Monomark House, 27 Old Gloucester Street, London, England, WC1N 3AX