Terms and Conditions

1. Description of services

1.1 Norazena provides AI-assisted data analysis and decision-support tools for independent professionals, including cashflow insight, forecasting visualisation, and reporting features.

1.2 The services are analytical tools only. Norazena does not hold, transfer, or manage funds, does not provide custody services, and does not execute transactions on your behalf.

1.3 Outputs, forecasts, scores, and summaries are estimates based on available data and models. They are provided for information and planning purposes and do not constitute financial, legal, tax, or investment advice.

2. Access, accounts and eligibility

2.1 You must be at least 18 years old and legally able to enter into contracts to use the services.

2.2 You are responsible for maintaining the confidentiality of any login credentials and for all activity under your account. Notify the operator promptly if you suspect unauthorised access.

2.3 Access is provided on a read-only basis where data connections are used. You will only connect accounts or data sources you own or are authorised to share, and you may revoke access at any time through your provider settings.

3. Acceptable use

You agree not to:

• use the services for any unlawful purpose or in breach of applicable regulations;
• attempt to gain unauthorised access, disrupt, overload, or reverse-engineer the platform;
• upload malicious code or content that infringes third-party rights;
• misrepresent outputs as professional advice or as guarantees of future performance;
• use the services to process data you have no lawful basis to share.

The operator may suspend or restrict access where misuse, security risk, or breach of these terms is reasonably suspected.

4. Your data and privacy

4.1 You retain rights in data you provide or connect. You grant Norazena a limited licence to process that data solely to operate, maintain, and improve the services you request.

4.2 Personal data handling is described in the Privacy page. Please review it together with these terms.

4.3 You are responsible for the accuracy and lawfulness of data you submit. The quality of analysis depends on the completeness and accuracy of inputs.

5. Intellectual property

5.1 The website, models, interfaces, text, and visual elements are owned by or licensed to the operator and are protected by intellectual property laws.

5.2 Subject to compliance with these terms, you receive a non-exclusive, non-transferable, revocable licence to use the services for your own internal professional purposes.

5.3 No rights are granted to copy, resell, sublicense, or create derivative works from the services except as expressly permitted in writing.

6. Availability, changes and fees

6.1 The operator aims for reliable availability but does not guarantee uninterrupted or error-free operation. Maintenance, updates, or third-party provider issues may affect access.

6.2 Features may be added, modified, or discontinued with reasonable notice where practical. Material changes to paid plans will be communicated in advance where contact details have been provided.

6.3 If fees apply, they will be set out in a separate order or pricing notice before purchase. Unless stated otherwise, fees are exclusive of applicable taxes. [Insert billing, renewal, and refund terms as applicable.]

7. Disclaimers and limitation of liability

7.1 The services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, all implied warranties are excluded.

7.2 You remain solely responsible for business decisions, filings, and actions taken based on analytical outputs. Always apply independent professional judgement and seek qualified advice where needed.

7.3 Nothing in these terms limits liability that cannot be limited by law, including liability for death or personal injury caused by negligence, fraud, or wilful misconduct.

7.4 Subject to clause 7.3, the operator’s total liability for any claim arising from the services will be limited to [Insert cap, e.g. amounts paid in the preceding 12 months]. The operator will not be liable for indirect, incidental, or consequential losses, including loss of profit or anticipated savings.

8. Term, suspension and termination

8.1 These terms apply for as long as you access or use the website or services.

8.2 You may stop using the services at any time and may request closure of your account via the contact details provided.

8.3 The operator may suspend or terminate access for breach, non-payment where applicable, legal requirement, or security reasons, with notice where reasonable.

8.4 On termination, your right to use the services ends. Provisions that by nature should survive — including intellectual property, disclaimers, and liability limits — continue to apply.

9. General provisions

9.1 Third-party services: Data connections or links may involve third-party providers. Their own terms and privacy notices apply, and the operator is not responsible for third-party acts or outages.

9.2 Notices: Notices may be sent by email or by posting on the website. Keep your contact details up to date.

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

9.4 Governing law: [Insert governing law and jurisdiction, e.g. England and Wales, subject to legal review before publication.]

9.5 Contact: For questions about these terms, use the Contact page. [Insert legal entity name, registered address, and email.]